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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 | $115,527 | $136,860-15.6% | $120,344-4.0% | $154,746-25.3% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 13.43% | 21.38%-7.9pp | 20.30%-6.9pp | 172.34%-158.9pp |
| Employer contribution / active EE | $4,076 | $3,533+15.4% | $3,020+35.0% | $4,379-6.9% |
| Participant deferral / active EE | $6,137 | $5,793+5.9% | $5,135+19.5% | $6,730-8.8% |
| Admin fee / account holder | $2,530 | $15,393-83.6% | $12,742-80.1% | $14,365-82.4% |