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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 | $118,927 | $94,439+25.9% | $73,658+61.5% | $154,746-23.1% |
| Participation rate | 100.0% | 64.7%+35.3pp | 57.0%+43.0pp | 80.7%+19.3pp |
| Annual return | 18.22% | 28.25%-10.0pp | 29.72%-11.5pp | 172.34%-154.1pp |
| Employer contribution / active EE | $2,907 | $1,257+131.2% | $1,032+181.6% | $4,379-33.6% |
| Participant deferral / active EE | $6,476 | $2,527+156.3% | $2,062+214.1% | $6,730-3.8% |
| Admin fee / account holder | $2,852 | $3,843-25.8% | $3,357-15.0% | $14,365-80.1% |