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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 | $107,646 | $72,027+49.5% | $185,835-42.1% | $79,852+34.8% |
| Participation rate | 100.0% | 65.8%+34.2pp | 78.0%+22.0pp | 69.6%+30.4pp |
| Annual return | 21.85% | 23.13%-1.3pp | 35.96%-14.1pp | 31.72%-9.9pp |
| Employer contribution / active EE | $6,400 | $1,965+225.7% | $4,087+56.6% | $2,471+159.0% |
| Participant deferral / active EE | $7,570 | $3,780+100.3% | $5,633+34.4% | $3,740+102.4% |
| Admin fee / account holder | $2,149 | $4,513-52.4% | $9,502-77.4% | $5,306-59.5% |