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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 | $85,360 | $110,410-22.7% | $102,437-16.7% | $145,897-41.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.98% | 24.85%-11.9pp | 24.95%-12.0pp | 552.29%-539.3pp |
| Employer contribution / active EE | $4,609 | $4,217+9.3% | $3,871+19.1% | $4,663-1.2% |
| Participant deferral / active EE | $14,038 | $5,622+149.7% | $5,060+177.4% | $6,689+109.9% |
| Admin fee / account holder | $7,134 | $9,745-26.8% | $8,388-14.9% | $13,390-46.7% |