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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 | $72,812 | $105,856-31.2% | $90,161-19.2% | $147,586-50.7% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 17.58% | 37.63%-20.1pp | 34.89%-17.3pp | 578.59%-561.0pp |
| Employer contribution / active EE | $4,268 | $4,126+3.4% | $3,318+28.6% | $4,876-12.5% |
| Participant deferral / active EE | $5,156 | $5,733-10.1% | $5,287-2.5% | $5,439-5.2% |
| Admin fee / account holder | $1,264 | $8,046-84.3% | $5,943-78.7% | $10,886-88.4% |