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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 | $125,085 | $87,059+43.7% | $105,608+18.4% | $80,925+54.6% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.7%+32.3pp |
| Annual return | 10.86% | 17.05%-6.2pp | 116.50%-105.6pp | 35.65%-24.8pp |
| Employer contribution / active EE | $2,880 | $2,396+20.2% | $3,167-9.1% | $2,756+4.5% |
| Participant deferral / active EE | $8,005 | $3,986+100.8% | $5,010+59.8% | $4,299+86.2% |
| Admin fee / account holder | $589 | $8,443-93.0% | $11,028-94.7% | $6,940-91.5% |