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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 | $106,968 | $94,436+13.3% | $115,599-7.5% | $82,637+29.4% |
| Participation rate | 100.0% | 70.4%+29.6pp | 74.3%+25.7pp | 68.1%+31.9pp |
| Annual return | 14.40% | 18.37%-4.0pp | 111.10%-96.7pp | 53.51%-39.1pp |
| Employer contribution / active EE | $2,591 | $2,324+11.5% | $2,955-12.3% | $2,552+1.5% |
| Participant deferral / active EE | $4,162 | $3,955+5.2% | $4,889-14.9% | $4,126+0.9% |
| Admin fee / account holder | $9,341 | $10,328-9.6% | $12,841-27.3% | $7,339+27.3% |