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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 | $127,929 | $177,595-28.0% | $148,496-13.9% | $198,609-35.6% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.0%+24.0pp | 82.4%+17.6pp |
| Annual return | 12.74% | 9.97%+2.8pp | 12.33%+0.4pp | 202.70%-190.0pp |
| Employer contribution / active EE | $8,031 | $4,098+96.0% | $3,497+129.6% | $5,055+58.9% |
| Participant deferral / active EE | $5,193 | $5,539-6.2% | $4,808+8.0% | $6,977-25.6% |
| Admin fee / account holder | $10,633 | $27,010-60.6% | $19,547-45.6% | $19,030-44.1% |