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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 | $93,586+44.3% | $135,925-0.7% | $75,173+79.6% |
| Participation rate | 86.7% | 75.2%+11.5pp | 81.9%+4.8pp | 67.2%+19.5pp |
| Annual return | 21.03% | 30.90%-9.9pp | 68.25%-47.2pp | 160.65%-139.6pp |
| Employer contribution / active EE | $3,500 | $3,537-1.1% | $4,857-27.9% | $2,670+31.1% |
| Participant deferral / active EE | $11,538 | $6,405+80.1% | $7,759+48.7% | $4,126+179.7% |
| Admin fee / account holder | $6,173 | $6,977-11.5% | $10,764-42.7% | $5,651+9.2% |