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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 | $86,274 | $117,846-26.8% | $102,434-15.8% | $145,884-40.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 15.11% | 31.90%-16.8pp | 29.46%-14.3pp | 551.85%-536.7pp |
| Employer contribution / active EE | $3,688 | $3,615+2.0% | $3,023+22.0% | $4,662-20.9% |
| Participant deferral / active EE | $5,415 | $5,733-5.6% | $5,055+7.1% | $6,690-19.1% |
| Admin fee / account holder | $1,548 | $13,356-88.4% | $9,462-83.6% | $13,392-88.4% |