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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 | $92,852 | $93,063-0.2% | $153,476-39.5% | $80,911+14.8% |
| Participation rate | 100.0% | 69.0%+31.0pp | 77.1%+22.9pp | 67.6%+32.4pp |
| Annual return | 12.54% | 19.95%-7.4pp | 15.66%-3.1pp | 35.63%-23.1pp |
| Employer contribution / active EE | $5,183 | $3,507+47.8% | $5,038+2.9% | $2,756+88.1% |
| Participant deferral / active EE | $10,762 | $5,180+107.8% | $6,759+59.2% | $4,297+150.4% |
| Admin fee / account holder | $2,649 | $8,891-70.2% | $12,729-79.2% | $6,935-61.8% |