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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 | $177,887 | $81,403+118.5% | $147,027+21.0% | $87,485+103.3% |
| Participation rate | 100.0% | 63.4%+36.6pp | 73.7%+26.3pp | 68.9%+31.1pp |
| Annual return | 14.13% | 16.51%-2.4pp | 20.23%-6.1pp | 26.06%-11.9pp |
| Employer contribution / active EE | $13,870 | $2,205+528.9% | $3,626+282.5% | $2,596+434.2% |
| Participant deferral / active EE | $14,142 | $3,315+326.5% | $4,933+186.7% | $4,274+230.9% |
| Admin fee / account holder | $7,557 | $6,755+11.9% | $12,223-38.2% | $7,775-2.8% |