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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 | $78,703 | $161,352-51.2% | $134,172-41.3% | $137,256-42.7% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 13.59% | 28.72%-15.1pp | 25.30%-11.7pp | 220.34%-206.8pp |
| Employer contribution / active EE | $4,546 | $4,099+10.9% | $3,420+32.9% | $4,156+9.4% |
| Participant deferral / active EE | $11,058 | $5,552+99.2% | $4,690+135.8% | $6,407+72.6% |
| Admin fee / account holder | $3,833 | $15,028-74.5% | $12,016-68.1% | $12,270-68.8% |