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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 | $70,187 | $176,794-60.3% | $146,647-52.1% | $167,553-58.1% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 11.76% | 24.04%-12.3pp | 22.75%-11.0pp | 478.89%-467.1pp |
| Employer contribution / active EE | $4,306 | $5,161-16.6% | $4,137+4.1% | $4,840-11.0% |
| Participant deferral / active EE | $3,379 | $6,440-47.5% | $5,506-38.6% | $6,343-46.7% |
| Admin fee / account holder | $752 | $13,262-94.3% | $10,281-92.7% | $12,316-93.9% |