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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 | $115,527 | $126,661-8.8% | $113,397+1.9% | $138,895-16.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 13.43% | 25.05%-11.6pp | 23.20%-9.8pp | 145.39%-132.0pp |
| Employer contribution / active EE | $4,076 | $3,456+17.9% | $2,977+36.9% | $4,194-2.8% |
| Participant deferral / active EE | $6,137 | $5,693+7.8% | $5,076+20.9% | $6,396-4.1% |
| Admin fee / account holder | $2,530 | $14,549-82.6% | $11,957-78.8% | $12,562-79.9% |