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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 | $129,471 | $117,904+9.8% | $102,457+26.4% | $145,978-11.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.15% | 31.80%-19.6pp | 29.41%-17.3pp | 550.52%-538.4pp |
| Employer contribution / active EE | $1,505 | $3,613-58.4% | $3,022-50.2% | $4,662-67.7% |
| Participant deferral / active EE | $4,271 | $5,733-25.5% | $5,054-15.5% | $6,690-36.2% |
| Admin fee / account holder | $9,721 | $13,329-27.1% | $9,451+2.9% | $13,400-27.5% |