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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 | $118,307 | $72,273+63.7% | $101,275+16.8% | $79,856+48.2% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 16.69% | 22.30%-5.6pp | 46.48%-29.8pp | 31.71%-15.0pp |
| Employer contribution / active EE | $2,925 | $2,691+8.7% | $3,660-20.1% | $2,471+18.3% |
| Participant deferral / active EE | $5,845 | $3,282+78.1% | $4,371+33.7% | $3,741+56.2% |
| Admin fee / account holder | $3,087 | $4,401-29.9% | $5,948-48.1% | $5,306-41.8% |