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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 | $104,747 | $87,037+20.3% | $106,201-1.4% | $80,874+29.5% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.6%+32.4pp |
| Annual return | 12.46% | 17.05%-4.6pp | 116.26%-103.8pp | 35.62%-23.2pp |
| Employer contribution / active EE | $4,146 | $2,396+73.0% | $3,170+30.8% | $2,756+50.5% |
| Participant deferral / active EE | $6,559 | $3,986+64.5% | $5,012+30.9% | $4,297+52.6% |
| Admin fee / account holder | $3,813 | $8,434-54.8% | $11,039-65.5% | $6,935-45.0% |