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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 | $81,743 | $72,273+13.1% | $101,275-19.3% | $79,856+2.4% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 16.26% | 22.30%-6.0pp | 46.48%-30.2pp | 31.71%-15.5pp |
| Employer contribution / active EE | $2,113 | $2,691-21.5% | $3,660-42.3% | $2,471-14.5% |
| Participant deferral / active EE | $4,973 | $3,282+51.6% | $4,371+13.8% | $3,741+33.0% |
| Admin fee / account holder | $3,936 | $4,401-10.6% | $5,948-33.8% | $5,306-25.8% |