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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 | $66,670 | $101,795-34.5% | $165,100-59.6% | $80,959-17.6% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 12.93% | 16.73%-3.8pp | 70.21%-57.3pp | 35.67%-22.7pp |
| Employer contribution / active EE | $7,819 | $2,954+164.7% | $4,348+79.8% | $2,757+183.6% |
| Participant deferral / active EE | $6,113 | $4,476+36.6% | $6,035+1.3% | $4,300+42.2% |
| Admin fee / account holder | $350 | $8,221-95.7% | $12,696-97.2% | $6,925-94.9% |