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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 | $177,156-27.5% | $147,027-12.6% | $154,746-16.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 13.95% | 21.94%-8.0pp | 20.23%-6.3pp | 172.34%-158.4pp |
| Employer contribution / active EE | $1,772 | $4,336-59.1% | $3,626-51.1% | $4,379-59.5% |
| Participant deferral / active EE | $16,458 | $5,797+183.9% | $4,933+233.6% | $6,730+144.5% |
| Admin fee / account holder | $1,735 | $14,904-88.4% | $12,223-85.8% | $14,365-87.9% |