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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 | $88,835 | $73,978+20.1% | $96,515-8.0% | $75,173+18.2% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 13.56% | 26.72%-13.2pp | 35.73%-22.2pp | 160.72%-147.2pp |
| Employer contribution / active EE | $3,008 | $2,931+2.6% | $3,740-19.6% | $2,671+12.6% |
| Participant deferral / active EE | $6,131 | $3,660+67.5% | $4,880+25.6% | $4,126+48.6% |
| Admin fee / account holder | $616 | $5,219-88.2% | $6,735-90.9% | $5,651-89.1% |