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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 | $93,832 | $63,082+48.7% | $81,716+14.8% | $79,852+17.5% |
| Participation rate | 100.0% | 67.5%+32.5pp | 72.0%+28.0pp | 69.6%+30.4pp |
| Annual return | 17.18% | 22.66%-5.5pp | 29.49%-12.3pp | 31.72%-14.5pp |
| Employer contribution / active EE | $8,052 | $1,795+348.5% | $4,310+86.8% | $2,471+225.8% |
| Participant deferral / active EE | $8,352 | $2,780+200.4% | $7,108+17.5% | $3,740+123.3% |
| Admin fee / account holder | $1,137 | $4,428-74.3% | $5,159-78.0% | $5,306-78.6% |