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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 | $117,864 | $154,228-23.6% | $145,433-19.0% | $137,256-14.1% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 17.71% | 74.59%-56.9pp | 66.58%-48.9pp | 220.34%-202.6pp |
| Employer contribution / active EE | $3,340 | $4,804-30.5% | $4,554-26.7% | $4,156-19.6% |
| Participant deferral / active EE | $4,839 | $8,216-41.1% | $7,897-38.7% | $6,407-24.5% |
| Admin fee / account holder | $23,329 | $14,344+62.6% | $13,129+77.7% | $12,270+90.1% |