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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 | $162,032 | $112,729+43.7% | $98,716+64.1% | $137,256+18.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 17.37% | 38.48%-21.1pp | 31.81%-14.4pp | 220.34%-203.0pp |
| Employer contribution / active EE | $3,100 | $2,725+13.8% | $2,279+36.1% | $4,156-25.4% |
| Participant deferral / active EE | $5,573 | $4,640+20.1% | $4,048+37.7% | $6,407-13.0% |
| Admin fee / account holder | $1,385 | $10,129-86.3% | $8,703-84.1% | $12,270-88.7% |