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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 | $103,318 | $107,666-4.0% | $102,184+1.1% | $154,746-33.2% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 20.60% | 29.33%-8.7pp | 31.58%-11.0pp | 172.34%-151.7pp |
| Employer contribution / active EE | $3,764 | $3,846-2.1% | $3,594+4.7% | $4,379-14.0% |
| Participant deferral / active EE | $15,434 | $8,719+77.0% | $8,309+85.8% | $6,730+129.3% |
| Admin fee / account holder | $848 | $12,943-93.4% | $11,609-92.7% | $14,365-94.1% |