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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 | $115,208 | $126,661-9.0% | $113,397+1.6% | $138,895-17.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 19.94% | 25.05%-5.1pp | 23.20%-3.3pp | 145.39%-125.5pp |
| Employer contribution / active EE | $4,066 | $3,456+17.6% | $2,977+36.6% | $4,194-3.1% |
| Participant deferral / active EE | $10,151 | $5,693+78.3% | $5,076+100.0% | $6,396+58.7% |
| Admin fee / account holder | $655 | $14,549-95.5% | $11,957-94.5% | $12,562-94.8% |