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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 | $78,992 | $63,949+23.5% | $129,031-38.8% | $94,015-16.0% |
| Participation rate | 100.0% | 63.4%+36.6pp | 73.4%+26.6pp | 70.8%+29.2pp |
| Annual return | 17.48% | 17.56%-0.1pp | 34.67%-17.2pp | 17.84%-0.4pp |
| Employer contribution / active EE | $6,607 | $1,865+254.4% | $3,226+104.8% | $2,790+136.8% |
| Participant deferral / active EE | $5,438 | $3,686+47.5% | $5,217+4.2% | $4,249+28.0% |
| Admin fee / account holder | $6,411 | $5,523+16.1% | $13,208-51.5% | $8,951-28.4% |