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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 | $122,964 | $106,524+15.4% | $152,301-19.3% | $87,485+40.6% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.4%+17.6pp | 68.9%+31.1pp |
| Annual return | 16.34% | 26.89%-10.5pp | 80.50%-64.2pp | 26.06%-9.7pp |
| Employer contribution / active EE | $5,140 | $3,371+52.5% | $4,624+11.2% | $2,596+98.0% |
| Participant deferral / active EE | $5,476 | $6,525-16.1% | $8,004-31.6% | $4,274+28.1% |
| Admin fee / account holder | $5,492 | $8,287-33.7% | $14,398-61.9% | $7,775-29.4% |