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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 | $89,918 | $124,425-27.7% | $112,040-19.7% | $137,256-34.5% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 17.34% | 24.72%-7.4pp | 24.52%-7.2pp | 220.34%-203.0pp |
| Employer contribution / active EE | $3,637 | $3,411+6.6% | $2,954+23.1% | $4,156-12.5% |
| Participant deferral / active EE | $4,833 | $5,718-15.5% | $5,098-5.2% | $6,407-24.6% |
| Admin fee / account holder | $676 | $15,207-95.6% | $12,098-94.4% | $12,270-94.5% |