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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 | $75,561 | $100,970-25.2% | $96,576-21.8% | $137,256-44.9% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 21.06% | 38.16%-17.1pp | 38.47%-17.4pp | 220.34%-199.3pp |
| Employer contribution / active EE | $4,758 | $3,809+24.9% | $3,553+33.9% | $4,156+14.5% |
| Participant deferral / active EE | $13,222 | $8,286+59.6% | $7,956+66.2% | $6,407+106.4% |
| Admin fee / account holder | $3,795 | $11,312-66.5% | $11,381-66.7% | $12,270-69.1% |