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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 | $92,296 | $107,666-14.3% | $102,184-9.7% | $154,746-40.4% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 20.56% | 29.33%-8.8pp | 31.58%-11.0pp | 172.34%-151.8pp |
| Employer contribution / active EE | $5,851 | $3,846+52.1% | $3,594+62.8% | $4,379+33.6% |
| Participant deferral / active EE | $9,915 | $8,719+13.7% | $8,309+19.3% | $6,730+47.3% |
| Admin fee / account holder | $3,330 | $12,943-74.3% | $11,609-71.3% | $14,365-76.8% |