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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 | $94,278 | $106,247-11.3% | $96,515-2.3% | $139,466-32.4% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 13.31% | 38.47%-25.2pp | 35.73%-22.4pp | 373.66%-360.4pp |
| Employer contribution / active EE | $2,052 | $4,106-50.0% | $3,740-45.1% | $4,754-56.8% |
| Participant deferral / active EE | $4,908 | $5,456-10.0% | $4,880+0.6% | $6,712-26.9% |
| Admin fee / account holder | $764 | $7,885-90.3% | $6,735-88.7% | $11,409-93.3% |