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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 | $144,596 | $110,137+31.3% | $161,149-10.3% | $82,637+75.0% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 16.98% | 20.69%-3.7pp | 21.16%-4.2pp | 53.51%-36.5pp |
| Employer contribution / active EE | $2,422 | $2,856-15.2% | $4,360-44.4% | $2,552-5.1% |
| Participant deferral / active EE | $6,162 | $4,575+34.7% | $6,153+0.1% | $4,126+49.3% |
| Admin fee / account holder | $4,598 | $9,467-51.4% | $15,194-69.7% | $7,339-37.3% |