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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 | $159,855 | $127,100+25.8% | $105,738+51.2% | $135,379+18.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 76.3%+23.7pp | 82.6%+17.4pp |
| Annual return | 8.70% | 4.49%+4.2pp | 6.27%+2.4pp | 519.79%-511.1pp |
| Employer contribution / active EE | $9,545 | $4,107+132.4% | $3,268+192.1% | $4,779+99.7% |
| Participant deferral / active EE | $4,085 | $5,064-19.3% | $4,080+0.1% | $5,609-27.2% |
| Admin fee / account holder | $3,357 | $9,087-63.1% | $6,913-51.4% | $10,828-69.0% |