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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 | $121,656 | $126,661-4.0% | $113,397+7.3% | $138,895-12.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 13.51% | 25.05%-11.5pp | 23.20%-9.7pp | 145.39%-131.9pp |
| Employer contribution / active EE | $0 | $3,456-100.0% | $2,977-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $10,498 | $5,693+84.4% | $5,076+106.8% | $6,396+64.1% |
| Admin fee / account holder | $8,263 | $14,549-43.2% | $11,957-30.9% | $12,562-34.2% |