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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 | $154,934 | $211,946-26.9% | $169,452-8.6% | $135,380+14.4% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | 9.30% | 3.26%+6.0pp | 1.83%+7.5pp | 519.81%-510.5pp |
| Employer contribution / active EE | $10,521 | $5,117+105.6% | $4,157+153.1% | $4,779+120.2% |
| Participant deferral / active EE | $5,843 | $6,075-3.8% | $5,277+10.7% | $5,609+4.2% |
| Admin fee / account holder | $6,821 | $11,472-40.5% | $9,110-25.1% | $10,828-37.0% |