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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 | $168,560 | $81,457+106.9% | $103,378+63.1% | $80,911+108.3% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 13.27% | 25.58%-12.3pp | 24.91%-11.6pp | 35.63%-22.4pp |
| Employer contribution / active EE | $4,336 | $3,107+39.5% | $3,870+12.0% | $2,756+57.3% |
| Participant deferral / active EE | $7,321 | $3,871+89.1% | $5,058+44.8% | $4,297+70.4% |
| Admin fee / account holder | $4,549 | $6,717-32.3% | $8,401-45.9% | $6,935-34.4% |