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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 | $127,463 | $106,749+19.4% | $145,433-12.4% | $82,448+54.6% |
| Participation rate | 100.0% | 75.6%+24.4pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 15.63% | 27.59%-12.0pp | 66.58%-50.9pp | 41.64%-26.0pp |
| Employer contribution / active EE | $3,077 | $3,444-10.7% | $4,554-32.4% | $2,551+20.6% |
| Participant deferral / active EE | $4,130 | $6,519-36.6% | $7,897-47.7% | $4,139-0.2% |
| Admin fee / account holder | $973 | $8,390-88.4% | $13,129-92.6% | $7,234-86.5% |