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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 | $138,312-16.7% | $122,979-6.3% | $155,188-25.8% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 19.94% | 22.06%-2.1pp | 20.12%-0.2pp | 148.84%-128.9pp |
| Employer contribution / active EE | $4,066 | $3,530+15.2% | $3,062+32.8% | $4,248-4.3% |
| Participant deferral / active EE | $10,151 | $5,592+81.5% | $5,003+102.9% | $6,531+55.4% |
| Admin fee / account holder | $655 | $15,089-95.7% | $12,864-94.9% | $14,480-95.5% |