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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 | $103,007 | $146,267-29.6% | $197,124-47.7% | $82,448+24.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 86.7%+13.3pp | 68.1%+31.9pp |
| Annual return | 17.86% | 29.61%-11.7pp | 44.34%-26.5pp | 41.64%-23.8pp |
| Employer contribution / active EE | $5,540 | $4,723+17.3% | $6,227-11.0% | $2,551+117.2% |
| Participant deferral / active EE | $6,826 | $7,035-3.0% | $9,135-25.3% | $4,139+64.9% |
| Admin fee / account holder | $6,045 | $14,422-58.1% | $16,298-62.9% | $7,234-16.4% |