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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 | $124,691 | $213,785-41.7% | $185,441-32.8% | $155,188-19.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 11.61% | 19.97%-8.4pp | 20.16%-8.6pp | 148.84%-137.2pp |
| Employer contribution / active EE | $2,356 | $5,393-56.3% | $4,672-49.6% | $4,248-44.5% |
| Participant deferral / active EE | $6,380 | $6,864-7.1% | $6,152+3.7% | $6,531-2.3% |
| Admin fee / account holder | $620 | $21,134-97.1% | $17,890-96.5% | $14,480-95.7% |