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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 | $76,826 | $112,729-31.8% | $98,716-22.2% | $137,256-44.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 17.41% | 38.48%-21.1pp | 31.81%-14.4pp | 220.34%-202.9pp |
| Employer contribution / active EE | $5,527 | $2,725+102.8% | $2,279+142.6% | $4,156+33.0% |
| Participant deferral / active EE | $3,589 | $4,640-22.6% | $4,048-11.3% | $6,407-44.0% |
| Admin fee / account holder | $1,072 | $10,129-89.4% | $8,703-87.7% | $12,270-91.3% |