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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 | $91,653 | $106,280-13.8% | $96,538-5.1% | $139,487-34.3% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 19.01% | 38.48%-19.5pp | 35.74%-16.7pp | 373.84%-354.8pp |
| Employer contribution / active EE | $3,179 | $4,107-22.6% | $3,740-15.0% | $4,755-33.1% |
| Participant deferral / active EE | $6,350 | $5,457+16.4% | $4,880+30.1% | $6,713-5.4% |
| Admin fee / account holder | $4,181 | $7,888-47.0% | $6,737-37.9% | $11,407-63.4% |