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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 | $54,145 | $107,666-49.7% | $102,184-47.0% | $154,746-65.0% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 19.50% | 29.33%-9.8pp | 31.58%-12.1pp | 172.34%-152.8pp |
| Employer contribution / active EE | $3,544 | $3,846-7.9% | $3,594-1.4% | $4,379-19.1% |
| Participant deferral / active EE | $8,562 | $8,719-1.8% | $8,309+3.0% | $6,730+27.2% |
| Admin fee / account holder | $628 | $12,943-95.1% | $11,609-94.6% | $14,365-95.6% |