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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 | $138,838 | $88,707+56.5% | $74,184+87.2% | $273,972-49.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 9.47% | 11.94%-2.5pp | 17.74%-8.3pp | 41.46%-32.0pp |
| Employer contribution / active EE | $19,879 | $3,159+529.2% | $2,370+738.7% | $4,869+308.3% |
| Participant deferral / active EE | $6,636 | $4,212+57.6% | $3,550+87.0% | $5,287+25.5% |
| Admin fee / account holder | $8,635 | $8,717-0.9% | $5,586+54.6% | $10,133-14.8% |