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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 | $78,909 | $98,760-20.1% | $149,715-47.3% | $79,858-1.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 18.38% | 27.43%-9.1pp | 276.66%-258.3pp | 31.72%-13.3pp |
| Employer contribution / active EE | $3,152 | $3,217-2.0% | $4,645-32.1% | $2,471+27.6% |
| Participant deferral / active EE | $6,578 | $5,681+15.8% | $6,842-3.9% | $3,740+75.9% |
| Admin fee / account holder | $1,981 | $6,053-67.3% | $9,310-78.7% | $5,306-62.7% |