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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 | $88,158 | $81,358+8.4% | $155,556-43.3% | $80,959+8.9% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 11.28% | 33.39%-22.1pp | 64.84%-53.6pp | 35.67%-24.4pp |
| Employer contribution / active EE | $11,205 | $3,106+260.7% | $4,675+139.7% | $2,757+306.4% |
| Participant deferral / active EE | $7,285 | $3,455+110.8% | $5,631+29.4% | $4,300+69.4% |
| Admin fee / account holder | $1,731 | $7,994-78.3% | $15,885-89.1% | $6,925-75.0% |