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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 | $118,528 | $95,453+24.2% | $112,040+5.8% | $82,448+43.8% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 16.58% | 23.92%-7.3pp | 24.52%-7.9pp | 41.64%-25.1pp |
| Employer contribution / active EE | $3,300 | $2,318+42.4% | $2,954+11.7% | $2,551+29.4% |
| Participant deferral / active EE | $2,733 | $4,224-35.3% | $5,098-46.4% | $4,139-34.0% |
| Admin fee / account holder | $1,248 | $9,013-86.2% | $12,098-89.7% | $7,234-82.8% |