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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 | $156,157 | $110,212+41.7% | $96,534+61.8% | $139,466+12.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 16.09% | 26.42%-10.3pp | 25.88%-9.8pp | 373.66%-357.6pp |
| Employer contribution / active EE | $1,243 | $3,620-65.7% | $2,965-58.1% | $4,754-73.9% |
| Participant deferral / active EE | $4,282 | $5,547-22.8% | $4,851-11.7% | $6,712-36.2% |
| Admin fee / account holder | $9,083 | $11,599-21.7% | $8,253+10.1% | $11,409-20.4% |