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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 | $98,396 | $138,385-28.9% | $184,243-46.6% | $80,925+21.6% |
| Participation rate | 84.8% | 83.9%+0.9pp | 86.8%-2.0pp | 67.7%+17.1pp |
| Annual return | 19.99% | 20.02%0pp | 28.82%-8.8pp | 35.65%-15.7pp |
| Employer contribution / active EE | $20,000 | $4,851+312.3% | $6,427+211.2% | $2,756+625.6% |
| Participant deferral / active EE | $14,081 | $7,075+99.0% | $9,132+54.2% | $4,299+227.6% |
| Admin fee / account holder | $431 | $10,489-95.9% | $13,914-96.9% | $6,940-93.8% |