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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 | $81,362 | $78,197+4.0% | $98,090-17.1% | $82,637-1.5% |
| Participation rate | 100.0% | 77.5%+22.5pp | 81.5%+18.5pp | 68.1%+31.9pp |
| Annual return | 17.24% | 40.25%-23.0pp | 37.05%-19.8pp | 53.51%-36.3pp |
| Employer contribution / active EE | $4,539 | $2,605+74.3% | $3,606+25.9% | $2,552+77.8% |
| Participant deferral / active EE | $4,347 | $6,636-34.5% | $7,845-44.6% | $4,126+5.3% |
| Admin fee / account holder | $2,646 | $14,832-82.2% | $11,815-77.6% | $7,339-63.9% |