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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 | $63,786 | $93,345-31.7% | $119,126-46.5% | $87,485-27.1% |
| Participation rate | 100.0% | 68.7%+31.3pp | 75.8%+24.2pp | 68.9%+31.1pp |
| Annual return | 14.54% | 19.08%-4.5pp | 282.11%-267.6pp | 26.06%-11.5pp |
| Employer contribution / active EE | $2,661 | $3,172-16.1% | $4,034-34.0% | $2,596+2.5% |
| Participant deferral / active EE | $4,628 | $4,099+12.9% | $5,318-13.0% | $4,274+8.3% |
| Admin fee / account holder | $2,091 | $8,039-74.0% | $10,693-80.4% | $7,775-73.1% |