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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 | $98,339 | $124,351-20.9% | $109,188-9.9% | $167,553-41.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 13.43% | 26.04%-12.6pp | 25.76%-12.3pp | 478.89%-465.5pp |
| Employer contribution / active EE | $1,017 | $4,210-75.8% | $3,723-72.7% | $4,840-79.0% |
| Participant deferral / active EE | $1,517 | $5,257-71.1% | $4,654-67.4% | $6,343-76.1% |
| Admin fee / account holder | $3,537 | $7,975-55.7% | $6,755-47.6% | $12,316-71.3% |