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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 | $65,024 | $87,059-25.3% | $105,608-38.4% | $80,925-19.6% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.7%+32.3pp |
| Annual return | 11.89% | 17.05%-5.2pp | 116.50%-104.6pp | 35.65%-23.8pp |
| Employer contribution / active EE | $2,316 | $2,396-3.3% | $3,167-26.9% | $2,756-16.0% |
| Participant deferral / active EE | $2,498 | $3,986-37.3% | $5,010-50.1% | $4,299-41.9% |
| Admin fee / account holder | $4,496 | $8,443-46.7% | $11,028-59.2% | $6,940-35.2% |