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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 | $105,030 | $107,666-2.4% | $102,184+2.8% | $154,746-32.1% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 13.37% | 29.33%-16.0pp | 31.58%-18.2pp | 172.34%-159.0pp |
| Employer contribution / active EE | $2,671 | $3,846-30.5% | $3,594-25.7% | $4,379-39.0% |
| Participant deferral / active EE | $3,400 | $8,719-61.0% | $8,309-59.1% | $6,730-49.5% |
| Admin fee / account holder | $743 | $12,943-94.3% | $11,609-93.6% | $14,365-94.8% |