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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 | $148,354 | $112,729+31.6% | $98,716+50.3% | $137,256+8.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 15.68% | 38.48%-22.8pp | 31.81%-16.1pp | 220.34%-204.7pp |
| Employer contribution / active EE | $1,729 | $2,725-36.6% | $2,279-24.1% | $4,156-58.4% |
| Participant deferral / active EE | $9,551 | $4,640+105.8% | $4,048+136.0% | $6,407+49.1% |
| Admin fee / account holder | $5,860 | $10,129-42.1% | $8,703-32.7% | $12,270-52.2% |