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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 | $188,049 | $99,345+89.3% | $84,753+121.9% | $273,972-31.4% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 9.09% | 22.93%-13.8pp | 22.78%-13.7pp | 41.46%-32.4pp |
| Employer contribution / active EE | $6,859 | $4,214+62.8% | $3,574+91.9% | $4,869+40.9% |
| Participant deferral / active EE | $3,778 | $4,270-11.5% | $3,712+1.8% | $5,287-28.5% |
| Admin fee / account holder | $1,621 | $6,645-75.6% | $5,333-69.6% | $10,133-84.0% |