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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 | $138,366-5.1% | $184,185-28.7% | $80,911+62.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.6%+32.4pp |
| Annual return | 12.83% | 20.02%-7.2pp | 28.81%-16.0pp | 35.63%-22.8pp |
| Employer contribution / active EE | $5,200 | $4,849+7.3% | $6,426-19.1% | $2,756+88.7% |
| Participant deferral / active EE | $4,954 | $7,074-30.0% | $9,132-45.8% | $4,297+15.3% |
| Admin fee / account holder | $5,525 | $10,484-47.3% | $13,909-60.3% | $6,935-20.3% |