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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 | $144,596 | $81,476+77.5% | $102,383+41.2% | $80,925+78.7% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 11.29% | 25.59%-14.3pp | 24.94%-13.6pp | 35.65%-24.4pp |
| Employer contribution / active EE | $15,441 | $3,105+397.3% | $3,870+299.0% | $2,756+460.2% |
| Participant deferral / active EE | $11,782 | $3,871+204.4% | $5,060+132.9% | $4,299+174.1% |
| Admin fee / account holder | $12,846 | $6,717+91.2% | $8,391+53.1% | $6,940+85.1% |