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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 | $84,049 | $102,245-17.8% | $89,340-5.9% | $137,256-38.8% |
| Participation rate | 83.3% | 74.9%+8.4pp | 69.6%+13.8pp | 80.0%+3.4pp |
| Annual return | 20.28% | 21.89%-1.6pp | 20.57%-0.3pp | 220.34%-200.1pp |
| Employer contribution / active EE | $12,976 | $2,529+413.1% | $2,231+481.6% | $4,156+212.2% |
| Participant deferral / active EE | $8,220 | $4,436+85.3% | $3,823+115.0% | $6,407+28.3% |
| Admin fee / account holder | $3,299 | $8,085-59.2% | $6,704-50.8% | $12,270-73.1% |