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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 | $214,478 | $228,352-6.1% | $185,835+15.4% | $158,966+34.9% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 18.50% | 40.81%-22.3pp | 35.96%-17.5pp | 302.95%-284.4pp |
| Employer contribution / active EE | $3,686 | $4,967-25.8% | $4,087-9.8% | $4,762-22.6% |
| Participant deferral / active EE | $12,158 | $6,416+89.5% | $5,633+115.8% | $5,983+103.2% |
| Admin fee / account holder | $448 | $11,867-96.2% | $9,502-95.3% | $11,250-96.0% |