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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 | $124,634 | $176,838-29.5% | $146,685-15.0% | $167,518-25.6% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 21.43% | 24.04%-2.6pp | 22.75%-1.3pp | 478.71%-457.3pp |
| Employer contribution / active EE | $2,104 | $5,161-59.2% | $4,137-49.1% | $4,838-56.5% |
| Participant deferral / active EE | $3,413 | $6,441-47.0% | $5,507-38.0% | $6,342-46.2% |
| Admin fee / account holder | $9,495 | $13,262-28.4% | $10,281-7.7% | $12,312-22.9% |