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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 | $79,147 | $199,109-60.2% | $173,730-54.4% | $154,746-48.9% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 12.13% | 20.02%-7.9pp | 19.96%-7.8pp | 172.34%-160.2pp |
| Employer contribution / active EE | $3,045 | $5,311-42.7% | $4,577-33.5% | $4,379-30.5% |
| Participant deferral / active EE | $4,116 | $7,113-42.1% | $6,326-34.9% | $6,730-38.8% |
| Admin fee / account holder | $1,363 | $20,916-93.5% | $17,523-92.2% | $14,365-90.5% |