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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 | $106,524+19.7% | $152,301-16.3% | $87,485+45.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.4%+17.6pp | 68.9%+31.1pp |
| Annual return | 15.63% | 26.89%-11.3pp | 80.50%-64.9pp | 26.06%-10.4pp |
| Employer contribution / active EE | $3,077 | $3,371-8.7% | $4,624-33.5% | $2,596+18.5% |
| Participant deferral / active EE | $4,130 | $6,525-36.7% | $8,004-48.4% | $4,274-3.4% |
| Admin fee / account holder | $973 | $8,287-88.3% | $14,398-93.2% | $7,775-87.5% |