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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 | $70,107 | $98,766-29.0% | $149,730-53.2% | $79,852-12.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 12.69% | 27.43%-14.7pp | 276.70%-264.0pp | 31.72%-19.0pp |
| Employer contribution / active EE | $3,252 | $3,217+1.1% | $4,645-30.0% | $2,471+31.6% |
| Participant deferral / active EE | $4,985 | $5,681-12.2% | $6,843-27.1% | $3,740+33.3% |
| Admin fee / account holder | $8,165 | $6,052+34.9% | $9,310-12.3% | $5,306+53.9% |