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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 | $125,313 | $239,571-47.7% | $183,328-31.6% | $137,256-8.7% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 80.0%+20.0pp |
| Annual return | 15.96% | 35.69%-19.7pp | 29.67%-13.7pp | 220.34%-204.4pp |
| Employer contribution / active EE | $6,070 | $6,148-1.3% | $5,055+20.1% | $4,156+46.1% |
| Participant deferral / active EE | $6,220 | $7,995-22.2% | $6,795-8.5% | $6,407-2.9% |
| Admin fee / account holder | $3,963 | $30,059-86.8% | $21,427-81.5% | $12,270-67.7% |