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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 | $85,144 | $93,064-8.5% | $74,577+14.2% | $273,972-68.9% |
| Participation rate | 100.0% | 74.9%+25.1pp | 68.1%+31.9pp | 83.0%+17.0pp |
| Annual return | 9.39% | 26.18%-16.8pp | 20.47%-11.1pp | 41.46%-32.1pp |
| Employer contribution / active EE | $31,696 | $3,160+903.1% | $2,525+1155.2% | $4,869+551.0% |
| Participant deferral / active EE | $24,000 | $4,160+476.9% | $3,458+594.0% | $5,287+353.9% |
| Admin fee / account holder | $603 | $5,273-88.6% | $4,138-85.4% | $10,133-94.0% |