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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 | $126,278 | $124,980+1.0% | $108,359+16.5% | $154,746-18.4% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 16.64% | 45.00%-28.4pp | 36.89%-20.3pp | 172.34%-155.7pp |
| Employer contribution / active EE | $9,735 | $2,851+241.5% | $2,399+305.7% | $4,379+122.3% |
| Participant deferral / active EE | $11,459 | $4,743+141.6% | $4,137+177.0% | $6,730+70.3% |
| Admin fee / account holder | $4,510 | $11,502-60.8% | $9,741-53.7% | $14,365-68.6% |