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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 | $93,620 | $100,970-7.3% | $96,576-3.1% | $137,256-31.8% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 20.16% | 38.16%-18.0pp | 38.47%-18.3pp | 220.34%-200.2pp |
| Employer contribution / active EE | $3,473 | $3,809-8.8% | $3,553-2.3% | $4,156-16.4% |
| Participant deferral / active EE | $10,529 | $8,286+27.1% | $7,956+32.3% | $6,407+64.3% |
| Admin fee / account holder | $715 | $11,312-93.7% | $11,381-93.7% | $12,270-94.2% |