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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 | $66,084 | $81,487-18.9% | $102,412-35.5% | $80,935-18.4% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 12.74% | 25.60%-12.9pp | 24.94%-12.2pp | 35.66%-22.9pp |
| Employer contribution / active EE | $6,465 | $3,103+108.4% | $3,870+67.1% | $2,757+134.5% |
| Participant deferral / active EE | $4,794 | $3,871+23.8% | $5,060-5.3% | $4,299+11.5% |
| Admin fee / account holder | $10,308 | $6,717+53.4% | $8,388+22.9% | $6,924+48.9% |