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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 | $127,836 | $161,352-20.8% | $134,172-4.7% | $137,256-6.9% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 12.53% | 28.72%-16.2pp | 25.30%-12.8pp | 220.34%-207.8pp |
| Employer contribution / active EE | $2,219 | $4,099-45.9% | $3,420-35.1% | $4,156-46.6% |
| Participant deferral / active EE | $2,219 | $5,552-60.0% | $4,690-52.7% | $6,407-65.4% |
| Admin fee / account holder | $857 | $15,028-94.3% | $12,016-92.9% | $12,270-93.0% |