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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 | $73,523 | $124,425-40.9% | $112,040-34.4% | $137,256-46.4% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 19.51% | 24.72%-5.2pp | 24.52%-5.0pp | 220.34%-200.8pp |
| Employer contribution / active EE | $2,645 | $3,411-22.5% | $2,954-10.5% | $4,156-36.4% |
| Participant deferral / active EE | $10,312 | $5,718+80.3% | $5,098+102.3% | $6,407+61.0% |
| Admin fee / account holder | $457 | $15,207-97.0% | $12,098-96.2% | $12,270-96.3% |