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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 | $87,037-37.3% | $106,201-48.6% | $80,874-32.5% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.6%+32.4pp |
| Annual return | 11.44% | 17.05%-5.6pp | 116.26%-104.8pp | 35.62%-24.2pp |
| Employer contribution / active EE | $1,837 | $2,396-23.3% | $3,170-42.1% | $2,756-33.3% |
| Participant deferral / active EE | $3,834 | $3,986-3.8% | $5,012-23.5% | $4,297-10.8% |
| Admin fee / account holder | $8,094 | $8,434-4.0% | $11,039-26.7% | $6,935+16.7% |