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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 | $107,666-29.8% | $102,184-26.1% | $154,746-51.2% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 21.06% | 29.33%-8.3pp | 31.58%-10.5pp | 172.34%-151.3pp |
| Employer contribution / active EE | $4,758 | $3,846+23.7% | $3,594+32.4% | $4,379+8.6% |
| Participant deferral / active EE | $13,222 | $8,719+51.6% | $8,309+59.1% | $6,730+96.4% |
| Admin fee / account holder | $3,795 | $12,943-70.7% | $11,609-67.3% | $14,365-73.6% |