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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 | $122,964 | $99,875+23.1% | $146,866-16.3% | $86,983+41.4% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 16.34% | 28.10%-11.8pp | 102.85%-86.5pp | 25.83%-9.5pp |
| Employer contribution / active EE | $5,140 | $3,224+59.4% | $4,425+16.2% | $2,584+98.9% |
| Participant deferral / active EE | $5,476 | $6,322-13.4% | $7,759-29.4% | $4,194+30.6% |
| Admin fee / account holder | $5,492 | $7,838-29.9% | $13,620-59.7% | $7,856-30.1% |