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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 | $158,953 | $86,919+82.9% | $102,457+55.1% | $80,911+96.5% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 12.25% | 18.90%-6.6pp | 29.41%-17.2pp | 35.63%-23.4pp |
| Employer contribution / active EE | $5,931 | $2,368+150.4% | $3,022+96.2% | $2,756+115.2% |
| Participant deferral / active EE | $6,751 | $4,119+63.9% | $5,054+33.6% | $4,297+57.1% |
| Admin fee / account holder | $1,042 | $8,049-87.1% | $9,451-89.0% | $6,935-85.0% |