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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 | $67,000 | $81,276-17.6% | $155,574-56.9% | $80,925-17.2% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 13.87% | 33.36%-19.5pp | 64.87%-51.0pp | 35.65%-21.8pp |
| Employer contribution / active EE | $5,523 | $3,103+78.0% | $4,676+18.1% | $2,756+100.4% |
| Participant deferral / active EE | $7,126 | $3,453+106.4% | $5,629+26.6% | $4,299+65.8% |
| Admin fee / account holder | $6,244 | $7,993-21.9% | $15,914-60.8% | $6,940-10.0% |