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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 | $94,220 | $138,393-31.9% | $184,256-48.9% | $80,959+16.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.7%+32.3pp |
| Annual return | 19.17% | 20.01%-0.8pp | 28.85%-9.7pp | 35.67%-16.5pp |
| Employer contribution / active EE | $5,999 | $4,847+23.8% | $6,427-6.7% | $2,757+117.6% |
| Participant deferral / active EE | $18,151 | $7,076+156.5% | $9,133+98.7% | $4,300+322.1% |
| Admin fee / account holder | $3,967 | $10,489-62.2% | $13,899-71.5% | $6,925-42.7% |