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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 | $88,878 | $37,446+137.4% | $77,552+14.6% | $79,856+11.3% |
| Participation rate | 100.0% | 41.5%+58.5pp | 54.2%+45.8pp | 69.6%+30.4pp |
| Annual return | 15.23% | 39.76%-24.5pp | 54.82%-39.6pp | 31.71%-16.5pp |
| Employer contribution / active EE | $1,315 | $637+106.4% | $987+33.3% | $2,471-46.8% |
| Participant deferral / active EE | $1,919 | $1,261+52.2% | $1,861+3.1% | $3,741-48.7% |
| Admin fee / account holder | $2,413 | $2,506-3.7% | $2,859-15.6% | $5,306-54.5% |