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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 | $142,591 | $109,620+30.1% | $148,496-4.0% | $94,015+51.7% |
| Participation rate | 100.0% | 71.3%+28.7pp | 76.0%+24.0pp | 70.8%+29.2pp |
| Annual return | 10.82% | 17.54%-6.7pp | 12.33%-1.5pp | 17.84%-7.0pp |
| Employer contribution / active EE | $2,798 | $2,618+6.9% | $3,497-20.0% | $2,790+0.3% |
| Participant deferral / active EE | $7,825 | $3,831+104.2% | $4,808+62.7% | $4,249+84.1% |
| Admin fee / account holder | $28,595 | $10,050+184.5% | $19,547+46.3% | $8,951+219.5% |