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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 | $61,601 | $81,358-24.3% | $155,556-60.4% | $80,959-23.9% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 13.87% | 33.39%-19.5pp | 64.84%-51.0pp | 35.67%-21.8pp |
| Employer contribution / active EE | $8,783 | $3,106+182.7% | $4,675+87.8% | $2,757+218.5% |
| Participant deferral / active EE | $7,512 | $3,455+117.4% | $5,631+33.4% | $4,300+74.7% |
| Admin fee / account holder | $651 | $7,994-91.9% | $15,885-95.9% | $6,925-90.6% |