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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 | $108,285 | $112,729-3.9% | $98,716+9.7% | $137,256-21.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 15.63% | 38.48%-22.9pp | 31.81%-16.2pp | 220.34%-204.7pp |
| Employer contribution / active EE | $2,939 | $2,725+7.9% | $2,279+29.0% | $4,156-29.3% |
| Participant deferral / active EE | $4,088 | $4,640-11.9% | $4,048+1.0% | $6,407-36.2% |
| Admin fee / account holder | $1,575 | $10,129-84.5% | $8,703-81.9% | $12,270-87.2% |