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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 | $94,373 | $124,425-24.2% | $112,040-15.8% | $137,256-31.2% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 19.60% | 24.72%-5.1pp | 24.52%-4.9pp | 220.34%-200.7pp |
| Employer contribution / active EE | $3,510 | $3,411+2.9% | $2,954+18.8% | $4,156-15.6% |
| Participant deferral / active EE | $4,387 | $5,718-23.3% | $5,098-13.9% | $6,407-31.5% |
| Admin fee / account holder | $1,690 | $15,207-88.9% | $12,098-86.0% | $12,270-86.2% |