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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 | $96,877 | $112,729-14.1% | $98,716-1.9% | $137,256-29.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 15.40% | 38.48%-23.1pp | 31.81%-16.4pp | 220.34%-204.9pp |
| Employer contribution / active EE | $5,501 | $2,725+101.9% | $2,279+141.4% | $4,156+32.4% |
| Participant deferral / active EE | $9,605 | $4,640+107.0% | $4,048+137.3% | $6,407+49.9% |
| Admin fee / account holder | $10,425 | $10,129+2.9% | $8,703+19.8% | $12,270-15.0% |