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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 | $126,218 | $110,379+14.4% | $102,412+23.2% | $145,884-13.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.03% | 24.84%-12.8pp | 24.94%-12.9pp | 551.85%-539.8pp |
| Employer contribution / active EE | $3,856 | $4,216-8.6% | $3,870-0.4% | $4,662-17.3% |
| Participant deferral / active EE | $9,536 | $5,622+69.6% | $5,060+88.5% | $6,690+42.6% |
| Admin fee / account holder | $7,239 | $9,745-25.7% | $8,388-13.7% | $13,392-45.9% |