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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 | $124,922 | $112,729+10.8% | $98,716+26.5% | $137,256-9.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 17.40% | 38.48%-21.1pp | 31.81%-14.4pp | 220.34%-202.9pp |
| Employer contribution / active EE | $2,488 | $2,725-8.7% | $2,279+9.2% | $4,156-40.1% |
| Participant deferral / active EE | $7,308 | $4,640+57.5% | $4,048+80.5% | $6,407+14.1% |
| Admin fee / account holder | $3,315 | $10,129-67.3% | $8,703-61.9% | $12,270-73.0% |