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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $166,598 | $86,938+91.6% | $102,423+62.7% | $80,925+105.9% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 14.33% | 18.89%-4.6pp | 29.42%-15.1pp | 35.65%-21.3pp |
| Employer contribution / active EE | $3,817 | $2,369+61.1% | $3,023+26.3% | $2,756+38.5% |
| Participant deferral / active EE | $8,075 | $4,120+96.0% | $5,054+59.8% | $4,299+87.8% |
| Admin fee / account holder | $723 | $8,053-91.0% | $9,455-92.4% | $6,940-89.6% |