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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 | $132,601 | $138,366-4.2% | $184,185-28.0% | $80,911+63.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.6%+32.4pp |
| Annual return | 17.79% | 20.02%-2.2pp | 28.81%-11.0pp | 35.63%-17.8pp |
| Employer contribution / active EE | $16,923 | $4,849+249.0% | $6,426+163.4% | $2,756+514.1% |
| Participant deferral / active EE | $15,234 | $7,074+115.3% | $9,132+66.8% | $4,297+254.5% |
| Admin fee / account holder | $491 | $10,484-95.3% | $13,909-96.5% | $6,935-92.9% |