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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 | $90,020 | $100,970-10.8% | $96,576-6.8% | $137,256-34.4% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 15.56% | 38.16%-22.6pp | 38.47%-22.9pp | 220.34%-204.8pp |
| Employer contribution / active EE | $2,410 | $3,809-36.7% | $3,553-32.2% | $4,156-42.0% |
| Participant deferral / active EE | $10,050 | $8,286+21.3% | $7,956+26.3% | $6,407+56.9% |
| Admin fee / account holder | $20,193 | $11,312+78.5% | $11,381+77.4% | $12,270+64.6% |