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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 | $135,022 | $93,617+44.2% | $135,982-0.7% | $75,177+79.6% |
| Participation rate | 86.7% | 75.2%+11.5pp | 81.9%+4.7pp | 67.2%+19.5pp |
| Annual return | 21.03% | 30.89%-9.9pp | 68.32%-47.3pp | 160.75%-139.7pp |
| Employer contribution / active EE | $3,500 | $3,538-1.1% | $4,859-28.0% | $2,671+31.0% |
| Participant deferral / active EE | $11,538 | $6,406+80.1% | $7,760+48.7% | $4,126+179.6% |
| Admin fee / account holder | $6,173 | $6,980-11.6% | $10,767-42.7% | $5,651+9.2% |