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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 | $144,154 | $124,425+15.9% | $112,040+28.7% | $137,256+5.0% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 18.05% | 24.72%-6.7pp | 24.52%-6.5pp | 220.34%-202.3pp |
| Employer contribution / active EE | $3,972 | $3,411+16.4% | $2,954+34.5% | $4,156-4.4% |
| Participant deferral / active EE | $3,543 | $5,718-38.0% | $5,098-30.5% | $6,407-44.7% |
| Admin fee / account holder | $4,832 | $15,207-68.2% | $12,098-60.1% | $12,270-60.6% |