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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 | $132,260 | $105,284+25.6% | $150,734-12.3% | $94,015+40.7% |
| Participation rate | 100.0% | 71.7%+28.3pp | 78.4%+21.6pp | 70.8%+29.2pp |
| Annual return | 13.25% | 15.67%-2.4pp | 600.81%-587.6pp | 17.84%-4.6pp |
| Employer contribution / active EE | $2,128 | $3,599-40.9% | $4,918-56.7% | $2,790-23.7% |
| Participant deferral / active EE | $2,866 | $4,274-32.9% | $5,610-48.9% | $4,249-32.6% |
| Admin fee / account holder | $2,916 | $9,839-70.4% | $14,905-80.4% | $8,951-67.4% |