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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 | $131,305 | $138,393-5.1% | $184,256-28.7% | $80,959+62.2% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.7%+32.3pp |
| Annual return | 12.83% | 20.01%-7.2pp | 28.85%-16.0pp | 35.67%-22.8pp |
| Employer contribution / active EE | $5,200 | $4,847+7.3% | $6,427-19.1% | $2,757+88.6% |
| Participant deferral / active EE | $4,954 | $7,076-30.0% | $9,133-45.8% | $4,300+15.2% |
| Admin fee / account holder | $5,525 | $10,489-47.3% | $13,899-60.2% | $6,925-20.2% |