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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 | $235,080 | $213,785+10.0% | $185,441+26.8% | $155,188+51.5% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 13.71% | 19.97%-6.3pp | 20.16%-6.5pp | 148.84%-135.1pp |
| Employer contribution / active EE | $3,366 | $5,393-37.6% | $4,672-28.0% | $4,248-20.8% |
| Participant deferral / active EE | $20,212 | $6,864+194.5% | $6,152+228.6% | $6,531+209.5% |
| Admin fee / account holder | $1,680 | $21,134-92.0% | $17,890-90.6% | $14,480-88.4% |