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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 | $54,601 | $87,106-37.3% | $105,607-48.3% | $80,935-32.5% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.7%+32.3pp |
| Annual return | 11.44% | 17.01%-5.6pp | 116.11%-104.7pp | 35.66%-24.2pp |
| Employer contribution / active EE | $1,837 | $2,396-23.4% | $3,167-42.0% | $2,757-33.4% |
| Participant deferral / active EE | $3,834 | $3,986-3.8% | $5,011-23.5% | $4,299-10.8% |
| Admin fee / account holder | $8,094 | $8,447-4.2% | $10,958-26.1% | $6,924+16.9% |