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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 | $124,438 | $100,970+23.2% | $96,576+28.8% | $137,256-9.3% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 17.30% | 38.16%-20.9pp | 38.47%-21.2pp | 220.34%-203.0pp |
| Employer contribution / active EE | $2,984 | $3,809-21.7% | $3,553-16.0% | $4,156-28.2% |
| Participant deferral / active EE | $7,938 | $8,286-4.2% | $7,956-0.2% | $6,407+23.9% |
| Admin fee / account holder | $1,232 | $11,312-89.1% | $11,381-89.2% | $12,270-90.0% |