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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 | $77,093 | $102,609-24.9% | $98,090-21.4% | $138,895-44.5% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 19.99% | 36.44%-16.4pp | 37.05%-17.1pp | 145.39%-125.4pp |
| Employer contribution / active EE | $4,718 | $3,867+22.0% | $3,606+30.8% | $4,194+12.5% |
| Participant deferral / active EE | $10,602 | $8,167+29.8% | $7,845+35.1% | $6,396+65.8% |
| Admin fee / account holder | $3,874 | $11,434-66.1% | $11,815-67.2% | $12,562-69.2% |