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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 | $64,437 | $73,978-12.9% | $96,515-33.2% | $75,173-14.3% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 14.74% | 26.72%-12.0pp | 35.73%-21.0pp | 160.72%-146.0pp |
| Employer contribution / active EE | $8,869 | $2,931+202.6% | $3,740+137.2% | $2,671+232.1% |
| Participant deferral / active EE | $6,116 | $3,660+67.1% | $4,880+25.3% | $4,126+48.2% |
| Admin fee / account holder | $9,689 | $5,219+85.7% | $6,735+43.8% | $5,651+71.5% |