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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 | $93,209 | $123,793-24.7% | $177,848-47.6% | $79,856+16.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 87.7%+12.3pp | 69.6%+30.4pp |
| Annual return | 20.77% | 22.82%-2.1pp | 48.33%-27.6pp | 31.71%-10.9pp |
| Employer contribution / active EE | $6,021 | $4,095+47.0% | $5,919+1.7% | $2,471+143.7% |
| Participant deferral / active EE | $5,539 | $5,956-7.0% | $7,714-28.2% | $3,741+48.1% |
| Admin fee / account holder | $906 | $7,243-87.5% | $12,431-92.7% | $5,306-82.9% |