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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 | $71,043 | $138,393-48.7% | $184,256-61.4% | $80,959-12.2% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.7%+32.3pp |
| Annual return | 16.63% | 20.01%-3.4pp | 28.85%-12.2pp | 35.67%-19.0pp |
| Employer contribution / active EE | $7,728 | $4,847+59.4% | $6,427+20.2% | $2,757+180.3% |
| Participant deferral / active EE | $6,015 | $7,076-15.0% | $9,133-34.1% | $4,300+39.9% |
| Admin fee / account holder | $3,391 | $10,489-67.7% | $13,899-75.6% | $6,925-51.0% |