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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 | $89,246 | $161,352-44.7% | $134,172-33.5% | $137,256-35.0% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 20.19% | 28.72%-8.5pp | 25.30%-5.1pp | 220.34%-200.1pp |
| Employer contribution / active EE | $3,873 | $4,099-5.5% | $3,420+13.2% | $4,156-6.8% |
| Participant deferral / active EE | $14,558 | $5,552+162.2% | $4,690+210.4% | $6,407+127.2% |
| Admin fee / account holder | $393 | $15,028-97.4% | $12,016-96.7% | $12,270-96.8% |