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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 | $122,037 | $87,166+40.0% | $76,735+59.0% | $137,256-11.1% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 14.17% | 26.50%-12.3pp | 29.77%-15.6pp | 220.34%-206.2pp |
| Employer contribution / active EE | $3,772 | $2,904+29.9% | $2,454+53.7% | $4,156-9.2% |
| Participant deferral / active EE | $11,017 | $4,726+133.1% | $4,088+169.5% | $6,407+72.0% |
| Admin fee / account holder | $2,210 | $8,403-73.7% | $7,189-69.3% | $12,270-82.0% |