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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 | $103,056 | $184,014-44.0% | $161,149-36.0% | $138,895-25.8% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 14.33% | 21.52%-7.2pp | 21.16%-6.8pp | 145.39%-131.1pp |
| Employer contribution / active EE | $3,531 | $5,055-30.1% | $4,360-19.0% | $4,194-15.8% |
| Participant deferral / active EE | $10,389 | $6,909+50.4% | $6,153+68.8% | $6,396+62.4% |
| Admin fee / account holder | $436 | $18,027-97.6% | $15,194-97.1% | $12,562-96.5% |