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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 | $149,267 | $110,379+35.2% | $102,412+45.8% | $145,884+2.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 9.62% | 24.84%-15.2pp | 24.94%-15.3pp | 551.85%-542.2pp |
| Employer contribution / active EE | $3,461 | $4,216-17.9% | $3,870-10.6% | $4,662-25.8% |
| Participant deferral / active EE | $4,823 | $5,622-14.2% | $5,060-4.7% | $6,690-27.9% |
| Admin fee / account holder | $3,630 | $9,745-62.8% | $8,388-56.7% | $13,392-72.9% |