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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 | $84,178 | $111,535-24.5% | $105,223-20.0% | $137,256-38.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 17.50% | 237.85%-220.4pp | 180.65%-163.1pp | 220.34%-202.8pp |
| Employer contribution / active EE | $1,916 | $3,939-51.4% | $3,689-48.1% | $4,156-53.9% |
| Participant deferral / active EE | $5,834 | $5,500+6.1% | $5,072+15.0% | $6,407-8.9% |
| Admin fee / account holder | $933 | $9,721-90.4% | $8,859-89.5% | $12,270-92.4% |