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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 | $139,268 | $124,351+12.0% | $109,188+27.5% | $167,553-16.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 13.73% | 26.04%-12.3pp | 25.76%-12.0pp | 478.89%-465.2pp |
| Employer contribution / active EE | $1,593 | $4,210-62.2% | $3,723-57.2% | $4,840-67.1% |
| Participant deferral / active EE | $4,967 | $5,257-5.5% | $4,654+6.7% | $6,343-21.7% |
| Admin fee / account holder | $1,677 | $7,975-79.0% | $6,755-75.2% | $12,316-86.4% |