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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 | $82,142 | $93,598-12.2% | $135,974-39.6% | $75,173+9.3% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 22.59% | 30.89%-8.3pp | 68.30%-45.7pp | 160.72%-138.1pp |
| Employer contribution / active EE | $3,914 | $3,538+10.6% | $4,859-19.4% | $2,671+46.6% |
| Participant deferral / active EE | $14,848 | $6,405+131.8% | $7,760+91.3% | $4,126+259.8% |
| Admin fee / account holder | $768 | $6,978-89.0% | $10,767-92.9% | $5,651-86.4% |