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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 | $107,745 | $86,940+23.9% | $102,434+5.2% | $80,935+33.1% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 12.42% | 18.89%-6.5pp | 29.46%-17.0pp | 35.66%-23.2pp |
| Employer contribution / active EE | $11,805 | $2,370+398.2% | $3,023+290.5% | $2,757+328.2% |
| Participant deferral / active EE | $6,564 | $4,121+59.3% | $5,055+29.9% | $4,299+52.7% |
| Admin fee / account holder | $2,791 | $8,047-65.3% | $9,462-70.5% | $6,924-59.7% |