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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 | $106,588-0.2% | $94,215+12.9% | $155,188-31.5% |
| Participation rate | 100.0% | 74.3%+25.7pp | 70.0%+30.0pp | 80.8%+19.2pp |
| Annual return | 12.08% | 29.39%-17.3pp | 28.22%-16.1pp | 148.84%-136.8pp |
| Employer contribution / active EE | $1,993 | $3,080-35.3% | $2,675-25.5% | $4,248-53.1% |
| Participant deferral / active EE | $2,466 | $4,802-48.6% | $4,276-42.3% | $6,531-62.2% |
| Admin fee / account holder | $4,637 | $12,281-62.2% | $10,216-54.6% | $14,480-68.0% |