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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 | $141,355 | $126,661+11.6% | $113,397+24.7% | $138,895+1.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 13.60% | 25.05%-11.5pp | 23.20%-9.6pp | 145.39%-131.8pp |
| Employer contribution / active EE | $3,971 | $3,456+14.9% | $2,977+33.4% | $4,194-5.3% |
| Participant deferral / active EE | $8,155 | $5,693+43.2% | $5,076+60.6% | $6,396+27.5% |
| Admin fee / account holder | $3,073 | $14,549-78.9% | $11,957-74.3% | $12,562-75.5% |