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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 | $174,402 | $124,425+40.2% | $112,040+55.7% | $137,256+27.1% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 17.76% | 24.72%-7.0pp | 24.52%-6.8pp | 220.34%-202.6pp |
| Employer contribution / active EE | $3,165 | $3,411-7.2% | $2,954+7.1% | $4,156-23.9% |
| Participant deferral / active EE | $13,784 | $5,718+141.0% | $5,098+170.4% | $6,407+115.1% |
| Admin fee / account holder | $3,219 | $15,207-78.8% | $12,098-73.4% | $12,270-73.8% |