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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 | $121,202 | $100,194+21.0% | $122,979-1.4% | $86,983+39.3% |
| Participation rate | 100.0% | 73.0%+27.0pp | 77.2%+22.8pp | 69.5%+30.5pp |
| Annual return | 13.60% | 16.47%-2.9pp | 20.12%-6.5pp | 25.83%-12.2pp |
| Employer contribution / active EE | $4,076 | $2,326+75.2% | $3,062+33.1% | $2,584+57.7% |
| Participant deferral / active EE | $2,303 | $4,133-44.3% | $5,003-54.0% | $4,194-45.1% |
| Admin fee / account holder | $3,816 | $10,148-62.4% | $12,864-70.3% | $7,856-51.4% |