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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 | $78,690+55.2% | $161,489-24.4% | $87,485+39.6% |
| Participation rate | 100.0% | 67.5%+32.5pp | 78.7%+21.3pp | 68.9%+31.1pp |
| Annual return | 13.89% | 32.74%-18.9pp | 89.72%-75.8pp | 26.06%-12.2pp |
| Employer contribution / active EE | $2,815 | $2,588+8.8% | $4,268-34.0% | $2,596+8.4% |
| Participant deferral / active EE | $7,423 | $3,311+124.2% | $5,630+31.9% | $4,274+73.7% |
| Admin fee / account holder | $13,310 | $6,724+98.0% | $16,006-16.8% | $7,775+71.2% |