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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 | $113,003 | $108,825+3.8% | $156,181-27.6% | $82,448+37.1% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 22.43% | 20.59%+1.8pp | 64.87%-42.4pp | 41.64%-19.2pp |
| Employer contribution / active EE | $4,805 | $2,870+67.4% | $4,294+11.9% | $2,551+88.4% |
| Participant deferral / active EE | $16,862 | $4,577+268.4% | $6,132+175.0% | $4,139+307.4% |
| Admin fee / account holder | $2,053 | $9,341-78.0% | $14,586-85.9% | $7,234-71.6% |