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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 | $128,517 | $161,352-20.3% | $134,172-4.2% | $137,256-6.4% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 13.95% | 28.72%-14.8pp | 25.30%-11.3pp | 220.34%-206.4pp |
| Employer contribution / active EE | $1,772 | $4,099-56.8% | $3,420-48.2% | $4,156-57.4% |
| Participant deferral / active EE | $16,458 | $5,552+196.4% | $4,690+250.9% | $6,407+156.9% |
| Admin fee / account holder | $1,735 | $15,028-88.5% | $12,016-85.6% | $12,270-85.9% |