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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 | $93,374 | $72,177+29.4% | $115,037-18.8% | $59,633+56.6% |
| Participation rate | 75.0% | 72.6%+2.4pp | 81.4%-6.4pp | 68.7%+6.3pp |
| Annual return | 26.73% | 12.02%+14.7pp | 26.14%+0.6pp | 2041.40%-2014.7pp |
| Employer contribution / active EE | $1,236 | $2,841-56.5% | $4,608-73.2% | $2,203-43.9% |
| Participant deferral / active EE | $3,575 | $4,783-25.2% | $6,026-40.7% | $3,192+12.0% |
| Admin fee / account holder | $3,457 | $4,927-29.8% | $8,175-57.7% | $4,297-19.5% |