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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 | $91,841 | $112,729-18.5% | $98,716-7.0% | $137,256-33.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 14.13% | 38.48%-24.4pp | 31.81%-17.7pp | 220.34%-206.2pp |
| Employer contribution / active EE | $3,673 | $2,725+34.8% | $2,279+61.2% | $4,156-11.6% |
| Participant deferral / active EE | $6,506 | $4,640+40.2% | $4,048+60.7% | $6,407+1.6% |
| Admin fee / account holder | $2,208 | $10,129-78.2% | $8,703-74.6% | $12,270-82.0% |