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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 | $245,687 | $177,156+38.7% | $147,027+67.1% | $154,746+58.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 17.87% | 21.94%-4.1pp | 20.23%-2.4pp | 172.34%-154.5pp |
| Employer contribution / active EE | $1,524 | $4,336-64.9% | $3,626-58.0% | $4,379-65.2% |
| Participant deferral / active EE | $13,655 | $5,797+135.6% | $4,933+176.8% | $6,730+102.9% |
| Admin fee / account holder | $3,551 | $14,904-76.2% | $12,223-70.9% | $14,365-75.3% |