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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 | $86,105 | $110,240-21.9% | $96,544-10.8% | $139,487-38.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 17.15% | 26.41%-9.3pp | 25.88%-8.7pp | 373.84%-356.7pp |
| Employer contribution / active EE | $1,634 | $3,622-54.9% | $2,966-44.9% | $4,755-65.6% |
| Participant deferral / active EE | $7,591 | $5,549+36.8% | $4,851+56.5% | $6,713+13.1% |
| Admin fee / account holder | $873 | $11,602-92.5% | $8,254-89.4% | $11,407-92.3% |