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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 | $66,152 | $81,358-18.7% | $155,556-57.5% | $80,959-18.3% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 12.83% | 33.39%-20.6pp | 64.84%-52.0pp | 35.67%-22.8pp |
| Employer contribution / active EE | $3,220 | $3,106+3.6% | $4,675-31.1% | $2,757+16.8% |
| Participant deferral / active EE | $4,926 | $3,455+42.6% | $5,631-12.5% | $4,300+14.6% |
| Admin fee / account holder | $1,754 | $7,994-78.1% | $15,885-89.0% | $6,925-74.7% |