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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 | $117,331 | $87,166+34.6% | $76,735+52.9% | $137,256-14.5% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 15.74% | 26.50%-10.8pp | 29.77%-14.0pp | 220.34%-204.6pp |
| Employer contribution / active EE | $4,570 | $2,904+57.3% | $2,454+86.2% | $4,156+9.9% |
| Participant deferral / active EE | $7,955 | $4,726+68.3% | $4,088+94.6% | $6,407+24.2% |
| Admin fee / account holder | $1,399 | $8,403-83.3% | $7,189-80.5% | $12,270-88.6% |