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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 | $56,219 | $86,949-35.3% | $102,460-45.1% | $80,959-30.6% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 14.13% | 18.89%-4.8pp | 29.47%-15.3pp | 35.67%-21.5pp |
| Employer contribution / active EE | $9,055 | $2,370+282.1% | $3,025+199.3% | $2,757+228.4% |
| Participant deferral / active EE | $11,835 | $4,121+187.2% | $5,056+134.1% | $4,300+175.2% |
| Admin fee / account holder | $6,470 | $8,048-19.6% | $9,460-31.6% | $6,925-6.6% |