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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 | $149,074 | $86,940+71.5% | $102,434+45.5% | $80,935+84.2% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 12.13% | 18.89%-6.8pp | 29.46%-17.3pp | 35.66%-23.5pp |
| Employer contribution / active EE | $4,241 | $2,370+79.0% | $3,023+40.3% | $2,757+53.8% |
| Participant deferral / active EE | $7,282 | $4,121+76.7% | $5,055+44.1% | $4,299+69.4% |
| Admin fee / account holder | $4,134 | $8,047-48.6% | $9,462-56.3% | $6,924-40.3% |