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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 | $79,403 | $102,609-22.6% | $98,090-19.1% | $138,895-42.8% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 20.05% | 36.44%-16.4pp | 37.05%-17.0pp | 145.39%-125.3pp |
| Employer contribution / active EE | $12,256 | $3,867+216.9% | $3,606+239.8% | $4,194+192.2% |
| Participant deferral / active EE | $19,383 | $8,167+137.3% | $7,845+147.1% | $6,396+203.0% |
| Admin fee / account holder | $5,820 | $11,434-49.1% | $11,815-50.7% | $12,562-53.7% |