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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 | $144,931 | $215,361-32.7% | $171,082-15.3% | $273,972-47.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 4.82% | 25.14%-20.3pp | 32.56%-27.7pp | 41.46%-36.6pp |
| Employer contribution / active EE | $11,379 | $4,967+129.1% | $4,002+184.3% | $4,869+133.7% |
| Participant deferral / active EE | $12,000 | $5,543+116.5% | $4,797+150.1% | $5,287+127.0% |
| Admin fee / account holder | $4,063 | $10,846-62.5% | $8,520-52.3% | $10,133-59.9% |