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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 | $126,862 | $99,345+27.7% | $84,753+49.7% | $273,972-53.7% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 7.75% | 22.93%-15.2pp | 22.78%-15.0pp | 41.46%-33.7pp |
| Employer contribution / active EE | $7,605 | $4,214+80.5% | $3,574+112.8% | $4,869+56.2% |
| Participant deferral / active EE | $5,831 | $4,270+36.6% | $3,712+57.1% | $5,287+10.3% |
| Admin fee / account holder | $5,493 | $6,645-17.3% | $5,333+3.0% | $10,133-45.8% |