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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 | $87,268 | $126,661-31.1% | $113,397-23.0% | $138,895-37.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 21.78% | 25.05%-3.3pp | 23.20%-1.4pp | 145.39%-123.6pp |
| Employer contribution / active EE | $5,963 | $3,456+72.5% | $2,977+100.3% | $4,194+42.2% |
| Participant deferral / active EE | $15,341 | $5,693+169.5% | $5,076+202.2% | $6,396+139.8% |
| Admin fee / account holder | $965 | $14,549-93.4% | $11,957-91.9% | $12,562-92.3% |