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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 | $163,913 | $124,425+31.7% | $112,040+46.3% | $137,256+19.4% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 18.81% | 24.72%-5.9pp | 24.52%-5.7pp | 220.34%-201.5pp |
| Employer contribution / active EE | $3,712 | $3,411+8.8% | $2,954+25.7% | $4,156-10.7% |
| Participant deferral / active EE | $7,633 | $5,718+33.5% | $5,098+49.7% | $6,407+19.1% |
| Admin fee / account holder | $3,152 | $15,207-79.3% | $12,098-73.9% | $12,270-74.3% |