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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 | $128,216 | $149,778-14.4% | $118,946+7.8% | $158,950-19.3% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | 24.84% | 19.95%+4.9pp | 35.89%-11.1pp | 302.91%-278.1pp |
| Employer contribution / active EE | $3,085 | $4,117-25.1% | $3,263-5.5% | $4,762-35.2% |
| Participant deferral / active EE | $4,709 | $5,225-9.9% | $4,266+10.4% | $5,983-21.3% |
| Admin fee / account holder | $798 | $8,604-90.7% | $6,581-87.9% | $11,248-92.9% |