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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 | $169,274 | $110,137+53.7% | $161,149+5.0% | $82,637+104.8% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 18.31% | 20.69%-2.4pp | 21.16%-2.9pp | 53.51%-35.2pp |
| Employer contribution / active EE | $5,726 | $2,856+100.5% | $4,360+31.3% | $2,552+124.3% |
| Participant deferral / active EE | $11,412 | $4,575+149.5% | $6,153+85.5% | $4,126+176.6% |
| Admin fee / account holder | $3,175 | $9,467-66.5% | $15,194-79.1% | $7,339-56.7% |