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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 | $132,375 | $115,903+14.2% | $100,528+31.7% | $158,966-16.7% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 18.02% | 34.80%-16.8pp | 30.90%-12.9pp | 302.95%-284.9pp |
| Employer contribution / active EE | $842 | $4,105-79.5% | $3,419-75.4% | $4,762-82.3% |
| Participant deferral / active EE | $6,238 | $6,677-6.6% | $6,271-0.5% | $5,983+4.3% |
| Admin fee / account holder | $15,262 | $11,000+38.7% | $8,084+88.8% | $11,250+35.7% |