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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 | $123,478-8.5% | $216,567-47.8% | $94,015+20.2% |
| Participation rate | 100.0% | 75.1%+24.9pp | 81.6%+18.4pp | 70.8%+29.2pp |
| Annual return | 22.43% | 23.61%-1.2pp | 12.94%+9.5pp | 17.84%+4.6pp |
| Employer contribution / active EE | $4,805 | $3,136+53.2% | $5,216-7.9% | $2,790+72.2% |
| Participant deferral / active EE | $16,862 | $4,556+270.1% | $6,191+172.4% | $4,249+296.8% |
| Admin fee / account holder | $2,053 | $12,753-83.9% | $21,981-90.7% | $8,951-77.1% |