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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 | $77,536 | $124,980-38.0% | $108,359-28.4% | $154,746-49.9% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 12.15% | 45.00%-32.8pp | 36.89%-24.7pp | 172.34%-160.2pp |
| Employer contribution / active EE | $3,227 | $2,851+13.2% | $2,399+34.5% | $4,379-26.3% |
| Participant deferral / active EE | $3,842 | $4,743-19.0% | $4,137-7.1% | $6,730-42.9% |
| Admin fee / account holder | $1,736 | $11,502-84.9% | $9,741-82.2% | $14,365-87.9% |