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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 | $90,527 | $76,407+18.5% | $150,298-39.8% | $82,448+9.8% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 17.83% | 39.99%-22.2pp | 62.79%-45.0pp | 41.64%-23.8pp |
| Employer contribution / active EE | $2,368 | $2,614-9.4% | $4,154-43.0% | $2,551-7.2% |
| Participant deferral / active EE | $7,049 | $3,214+119.3% | $5,453+29.3% | $4,139+70.3% |
| Admin fee / account holder | $7,673 | $6,352+20.8% | $14,116-45.6% | $7,234+6.1% |