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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 | $122,113 | $77,814+56.9% | $158,223-22.8% | $86,983+40.4% |
| Participation rate | 100.0% | 68.4%+31.6pp | 79.2%+20.8pp | 69.5%+30.5pp |
| Annual return | 13.89% | 30.54%-16.7pp | 52.09%-38.2pp | 25.83%-11.9pp |
| Employer contribution / active EE | $2,815 | $2,592+8.6% | $4,109-31.5% | $2,584+8.9% |
| Participant deferral / active EE | $7,423 | $3,270+127.0% | $5,467+35.8% | $4,194+77.0% |
| Admin fee / account holder | $13,310 | $5,879+126.4% | $16,047-17.1% | $7,856+69.4% |