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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 | $88,723 | $81,476+8.9% | $102,383-13.3% | $80,925+9.6% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 13.03% | 25.59%-12.6pp | 24.94%-11.9pp | 35.65%-22.6pp |
| Employer contribution / active EE | $12,022 | $3,105+287.2% | $3,870+210.6% | $2,756+336.2% |
| Participant deferral / active EE | $7,821 | $3,871+102.1% | $5,060+54.6% | $4,299+81.9% |
| Admin fee / account holder | $6,328 | $6,717-5.8% | $8,391-24.6% | $6,940-8.8% |