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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 | $114,927 | $239,571-52.0% | $183,328-37.3% | $137,256-16.3% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 80.0%+20.0pp |
| Annual return | 16.39% | 35.69%-19.3pp | 29.67%-13.3pp | 220.34%-203.9pp |
| Employer contribution / active EE | $9,220 | $6,148+50.0% | $5,055+82.4% | $4,156+121.8% |
| Participant deferral / active EE | $5,549 | $7,995-30.6% | $6,795-18.3% | $6,407-13.4% |
| Admin fee / account holder | $8,659 | $30,059-71.2% | $21,427-59.6% | $12,270-29.4% |