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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 | $75,827 | $78,013-2.8% | $178,449-57.5% | $80,911-6.3% |
| Participation rate | 100.0% | 65.7%+34.3pp | 77.1%+22.9pp | 67.6%+32.4pp |
| Annual return | 15.32% | 18.07%-2.7pp | 27.09%-11.8pp | 35.63%-20.3pp |
| Employer contribution / active EE | $14,916 | $2,287+552.3% | $3,951+277.6% | $2,756+441.3% |
| Participant deferral / active EE | $14,706 | $4,408+233.7% | $6,277+134.3% | $4,297+242.2% |
| Admin fee / account holder | $1,508 | $7,166-78.9% | $10,362-85.4% | $6,935-78.2% |