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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 | $97,732 | $106,524-8.3% | $152,301-35.8% | $87,485+11.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.4%+17.6pp | 68.9%+31.1pp |
| Annual return | 31.45% | 26.89%+4.6pp | 80.50%-49.1pp | 26.06%+5.4pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $21,175 | $6,525+224.5% | $8,004+164.6% | $4,274+395.5% |
| Admin fee / account holder | $9,078 | $8,287+9.6% | $14,398-36.9% | $7,775+16.8% |