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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 | $72,585 | $81,476-10.9% | $102,383-29.1% | $80,925-10.3% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 12.05% | 25.59%-13.5pp | 24.94%-12.9pp | 35.65%-23.6pp |
| Employer contribution / active EE | $9,529 | $3,105+206.9% | $3,870+146.2% | $2,756+245.7% |
| Participant deferral / active EE | $5,927 | $3,871+53.1% | $5,060+17.1% | $4,299+37.9% |
| Admin fee / account holder | $677 | $6,717-89.9% | $8,391-91.9% | $6,940-90.3% |