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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 | $118,996 | $123,155-3.4% | $108,753+9.4% | $155,188-23.3% |
| Participation rate | 100.0% | 75.6%+24.4pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 9.81% | 44.73%-34.9pp | 37.47%-27.7pp | 148.84%-139.0pp |
| Employer contribution / active EE | $2,462 | $2,811-12.4% | $2,427+1.5% | $4,248-42.0% |
| Participant deferral / active EE | $6,126 | $4,623+32.5% | $4,115+48.9% | $6,531-6.2% |
| Admin fee / account holder | $1,617 | $12,126-86.7% | $10,320-84.3% | $14,480-88.8% |