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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 | $111,489 | $70,486+58.2% | $100,535+10.9% | $79,856+39.6% |
| Participation rate | 100.0% | 73.6%+26.4pp | 79.4%+20.6pp | 69.6%+30.4pp |
| Annual return | 12.82% | 21.90%-9.1pp | 30.90%-18.1pp | 31.71%-18.9pp |
| Employer contribution / active EE | $6,990 | $2,165+222.9% | $3,419+104.5% | $2,471+182.8% |
| Participant deferral / active EE | $4,492 | $5,182-13.3% | $6,271-28.4% | $3,741+20.1% |
| Admin fee / account holder | $4,663 | $4,480+4.1% | $8,085-42.3% | $5,306-12.1% |