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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 | $106,481 | $155,555-31.5% | $146,866-27.5% | $155,188-31.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 12.53% | 115.41%-102.9pp | 102.85%-90.3pp | 148.84%-136.3pp |
| Employer contribution / active EE | $2,256 | $4,647-51.4% | $4,425-49.0% | $4,248-46.9% |
| Participant deferral / active EE | $5,089 | $8,044-36.7% | $7,759-34.4% | $6,531-22.1% |
| Admin fee / account holder | $8,105 | $14,755-45.1% | $13,620-40.5% | $14,480-44.0% |