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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 | $76,052 | $112,729-32.5% | $98,716-23.0% | $137,256-44.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 18.20% | 38.48%-20.3pp | 31.81%-13.6pp | 220.34%-202.1pp |
| Employer contribution / active EE | $3,463 | $2,725+27.1% | $2,279+52.0% | $4,156-16.7% |
| Participant deferral / active EE | $3,693 | $4,640-20.4% | $4,048-8.8% | $6,407-42.4% |
| Admin fee / account holder | $5,239 | $10,129-48.3% | $8,703-39.8% | $12,270-57.3% |