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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 | $82,871 | $162,967-49.1% | $135,792-39.0% | $138,895-40.3% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.6%+27.4pp | 79.9%+20.1pp |
| Annual return | 12.60% | 30.08%-17.5pp | 25.96%-13.4pp | 145.39%-132.8pp |
| Employer contribution / active EE | $9,691 | $4,211+130.1% | $3,496+177.2% | $4,194+131.0% |
| Participant deferral / active EE | $12,163 | $5,640+115.6% | $4,759+155.6% | $6,396+90.2% |
| Admin fee / account holder | $16,678 | $15,306+9.0% | $12,266+36.0% | $12,562+32.8% |