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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 | $124,130 | $154,228-19.5% | $145,433-14.6% | $137,256-9.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 17.79% | 74.59%-56.8pp | 66.58%-48.8pp | 220.34%-202.6pp |
| Employer contribution / active EE | $3,158 | $4,804-34.3% | $4,554-30.7% | $4,156-24.0% |
| Participant deferral / active EE | $12,422 | $8,216+51.2% | $7,897+57.3% | $6,407+93.9% |
| Admin fee / account holder | $561 | $14,344-96.1% | $13,129-95.7% | $12,270-95.4% |