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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 | $84,083 | $124,330-32.4% | $109,173-23.0% | $167,536-49.8% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 12.10% | 26.04%-13.9pp | 25.75%-13.7pp | 478.82%-466.7pp |
| Employer contribution / active EE | $3,645 | $4,209-13.4% | $3,723-2.1% | $4,839-24.7% |
| Participant deferral / active EE | $4,378 | $5,256-16.7% | $4,654-5.9% | $6,342-31.0% |
| Admin fee / account holder | $1,699 | $7,974-78.7% | $6,755-74.9% | $12,315-86.2% |