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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 | $138,385-31.9% | $184,200-48.8% | $80,874+16.5% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.6%+32.4pp |
| Annual return | 19.17% | 20.02%-0.9pp | 28.80%-9.6pp | 35.62%-16.4pp |
| Employer contribution / active EE | $5,999 | $4,849+23.7% | $6,424-6.6% | $2,756+117.7% |
| Participant deferral / active EE | $18,151 | $7,073+156.6% | $9,132+98.8% | $4,297+322.4% |
| Admin fee / account holder | $3,967 | $10,483-62.2% | $13,907-71.5% | $6,935-42.8% |