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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 | $97,846 | $138,312-29.3% | $122,979-20.4% | $155,188-37.0% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 17.28% | 22.06%-4.8pp | 20.12%-2.8pp | 148.84%-131.6pp |
| Employer contribution / active EE | $6,240 | $3,530+76.8% | $3,062+103.8% | $4,248+46.9% |
| Participant deferral / active EE | $5,103 | $5,592-8.7% | $5,003+2.0% | $6,531-21.9% |
| Admin fee / account holder | $3,376 | $15,089-77.6% | $12,864-73.8% | $14,480-76.7% |