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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 | $121,624 | $75,541+61.0% | $152,093-20.0% | $82,637+47.2% |
| Participation rate | 100.0% | 66.5%+33.5pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 19.48% | 32.56%-13.1pp | 66.36%-46.9pp | 53.51%-34.0pp |
| Employer contribution / active EE | $2,803 | $2,622+6.9% | $4,175-32.8% | $2,552+9.8% |
| Participant deferral / active EE | $4,766 | $3,206+48.7% | $5,451-12.6% | $4,126+15.5% |
| Admin fee / account holder | $894 | $6,405-86.0% | $14,497-93.8% | $7,339-87.8% |