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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 | $83,144 | $115,225-27.8% | $100,712-17.4% | $138,895-40.1% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 15.82% | 40.35%-24.5pp | 33.27%-17.5pp | 145.39%-129.6pp |
| Employer contribution / active EE | $4,486 | $2,771+61.9% | $2,313+94.0% | $4,194+7.0% |
| Participant deferral / active EE | $15,857 | $4,699+237.4% | $4,085+288.2% | $6,396+147.9% |
| Admin fee / account holder | $715 | $10,844-93.4% | $9,256-92.3% | $12,562-94.3% |