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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 | $72,519 | $64,462+12.5% | $81,482-11.0% | $80,911-10.4% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.6%+32.4pp |
| Annual return | 15.05% | 16.35%-1.3pp | 24.79%-9.7pp | 35.63%-20.6pp |
| Employer contribution / active EE | $5,182 | $1,979+161.9% | $2,463+110.4% | $2,756+88.0% |
| Participant deferral / active EE | $12,525 | $3,094+304.8% | $3,885+222.4% | $4,297+191.5% |
| Admin fee / account holder | $7,189 | $5,678+26.6% | $5,761+24.8% | $6,935+3.7% |