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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 | $61,709 | $73,988-16.6% | $96,538-36.1% | $75,177-17.9% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 15.83% | 26.73%-10.9pp | 35.74%-19.9pp | 160.75%-144.9pp |
| Employer contribution / active EE | $4,228 | $2,930+44.3% | $3,740+13.0% | $2,671+58.3% |
| Participant deferral / active EE | $5,343 | $3,660+46.0% | $4,880+9.5% | $4,126+29.5% |
| Admin fee / account holder | $2,322 | $5,220-55.5% | $6,737-65.5% | $5,651-58.9% |