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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 | $138,386-4.2% | $184,260-28.0% | $80,935+63.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.7%+32.3pp |
| Annual return | 17.79% | 20.02%-2.2pp | 28.84%-11.1pp | 35.66%-17.9pp |
| Employer contribution / active EE | $16,923 | $4,851+248.9% | $6,427+163.3% | $2,757+513.9% |
| Participant deferral / active EE | $15,234 | $7,076+115.3% | $9,133+66.8% | $4,299+254.3% |
| Admin fee / account holder | $491 | $10,489-95.3% | $13,898-96.5% | $6,924-92.9% |