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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 | $62,854 | $73,940-15.0% | $96,496-34.9% | $75,173-16.4% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 18.17% | 26.71%-8.5pp | 35.70%-17.5pp | 160.65%-142.5pp |
| Employer contribution / active EE | $7,491 | $2,929+155.7% | $3,738+100.4% | $2,670+180.5% |
| Participant deferral / active EE | $3,095 | $3,659-15.4% | $4,879-36.6% | $4,126-25.0% |
| Admin fee / account holder | $4,080 | $5,216-21.8% | $6,731-39.4% | $5,651-27.8% |