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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 | $119,230 | $176,838-32.6% | $146,685-18.7% | $167,518-28.8% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 16.56% | 24.04%-7.5pp | 22.75%-6.2pp | 478.71%-462.1pp |
| Employer contribution / active EE | $2,656 | $5,161-48.5% | $4,137-35.8% | $4,838-45.1% |
| Participant deferral / active EE | $3,400 | $6,441-47.2% | $5,507-38.3% | $6,342-46.4% |
| Admin fee / account holder | $3,829 | $13,262-71.1% | $10,281-62.8% | $12,312-68.9% |