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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 | $94,153 | $149,778-37.1% | $118,946-20.8% | $158,966-40.8% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | 15.68% | 19.95%-4.3pp | 35.89%-20.2pp | 302.95%-287.3pp |
| Employer contribution / active EE | $5,088 | $4,117+23.6% | $3,263+55.9% | $4,762+6.8% |
| Participant deferral / active EE | $9,987 | $5,225+91.1% | $4,266+134.1% | $5,983+66.9% |
| Admin fee / account holder | $4,501 | $8,604-47.7% | $6,581-31.6% | $11,250-60.0% |