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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 | $93,144 | $88,996+4.7% | $78,004+19.4% | $138,895-32.9% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.4%+30.6pp | 79.9%+20.1pp |
| Annual return | 13.04% | 28.03%-15.0pp | 31.07%-18.0pp | 145.39%-132.4pp |
| Employer contribution / active EE | $1,638 | $2,917-43.9% | $2,469-33.7% | $4,194-61.0% |
| Participant deferral / active EE | $2,689 | $4,724-43.1% | $4,092-34.3% | $6,396-58.0% |
| Admin fee / account holder | $9,367 | $8,807+6.4% | $7,578+23.6% | $12,562-25.4% |