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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 | $133,798 | $124,980+7.1% | $108,359+23.5% | $154,746-13.5% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 15.01% | 45.00%-30.0pp | 36.89%-21.9pp | 172.34%-157.3pp |
| Employer contribution / active EE | $3,195 | $2,851+12.1% | $2,399+33.2% | $4,379-27.0% |
| Participant deferral / active EE | $12,000 | $4,743+153.0% | $4,137+190.1% | $6,730+78.3% |
| Admin fee / account holder | $635 | $11,502-94.5% | $9,741-93.5% | $14,365-95.6% |