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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 | $77,806 | $63,845+21.9% | $81,370-4.4% | $80,959-3.9% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.7%+32.3pp |
| Annual return | 13.78% | 16.37%-2.6pp | 24.85%-11.1pp | 35.67%-21.9pp |
| Employer contribution / active EE | $6,271 | $1,980+216.8% | $2,464+154.5% | $2,757+127.4% |
| Participant deferral / active EE | $5,048 | $3,093+63.2% | $3,885+29.9% | $4,300+17.4% |
| Admin fee / account holder | $11,998 | $5,688+110.9% | $5,749+108.7% | $6,925+73.2% |