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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 | $88,850 | $163,687-45.7% | $108,745-18.3% | $273,972-67.6% |
| Participation rate | 100.0% | 82.3%+17.7pp | 77.7%+22.3pp | 83.0%+17.0pp |
| Annual return | 9.16% | 31.16%-22.0pp | 46.22%-37.1pp | 41.46%-32.3pp |
| Employer contribution / active EE | $12,323 | $4,711+161.6% | $3,323+270.8% | $4,869+153.1% |
| Participant deferral / active EE | $17,931 | $7,155+150.6% | $5,121+250.1% | $5,287+239.1% |
| Admin fee / account holder | $2,727 | $12,890-78.8% | $6,144-55.6% | $10,133-73.1% |