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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 | $117,473 | $115,917+1.3% | $100,535+16.8% | $158,982-26.1% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 12.41% | 34.80%-22.4pp | 30.90%-18.5pp | 302.99%-290.6pp |
| Employer contribution / active EE | $3,407 | $4,105-17.0% | $3,419-0.3% | $4,763-28.5% |
| Participant deferral / active EE | $2,404 | $6,677-64.0% | $6,271-61.7% | $5,983-59.8% |
| Admin fee / account holder | $7,027 | $11,002-36.1% | $8,085-13.1% | $11,252-37.5% |