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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 | $106,370 | $87,166+22.0% | $76,735+38.6% | $137,256-22.5% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 12.08% | 26.50%-14.4pp | 29.77%-17.7pp | 220.34%-208.3pp |
| Employer contribution / active EE | $1,993 | $2,904-31.4% | $2,454-18.8% | $4,156-52.0% |
| Participant deferral / active EE | $2,466 | $4,726-47.8% | $4,088-39.7% | $6,407-61.5% |
| Admin fee / account holder | $4,637 | $8,403-44.8% | $7,189-35.5% | $12,270-62.2% |