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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 | $90,059 | $81,358+10.7% | $155,556-42.1% | $80,959+11.2% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 15.00% | 33.39%-18.4pp | 64.84%-49.8pp | 35.67%-20.7pp |
| Employer contribution / active EE | $2,582 | $3,106-16.9% | $4,675-44.8% | $2,757-6.3% |
| Participant deferral / active EE | $6,235 | $3,455+80.4% | $5,631+10.7% | $4,300+45.0% |
| Admin fee / account holder | $9,162 | $7,994+14.6% | $15,885-42.3% | $6,925+32.3% |