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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 | $75,108 | $64,920+15.7% | $103,693-27.6% | $86,983-13.7% |
| Participation rate | 100.0% | 63.6%+36.4pp | 72.6%+27.4pp | 69.5%+30.5pp |
| Annual return | 15.96% | 30.29%-14.3pp | 47.61%-31.6pp | 25.83%-9.9pp |
| Employer contribution / active EE | $5,615 | $2,141+162.3% | $2,920+92.3% | $2,584+117.3% |
| Participant deferral / active EE | $6,731 | $3,241+107.7% | $4,579+47.0% | $4,194+60.5% |
| Admin fee / account holder | $2,008 | $6,191-67.6% | $7,858-74.4% | $7,856-74.4% |