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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 | $208,450 | $136,860+52.3% | $120,344+73.2% | $154,746+34.7% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 15.18% | 21.38%-6.2pp | 20.30%-5.1pp | 172.34%-157.2pp |
| Employer contribution / active EE | $4,440 | $3,533+25.7% | $3,020+47.0% | $4,379+1.4% |
| Participant deferral / active EE | $8,026 | $5,793+38.5% | $5,135+56.3% | $6,730+19.2% |
| Admin fee / account holder | $1,902 | $15,393-87.6% | $12,742-85.1% | $14,365-86.8% |