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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 | $83,342 | $94,766-12.1% | $112,923-26.2% | $139,487-40.3% |
| Participation rate | 100.0% | 81.3%+18.7pp | 80.5%+19.5pp | 80.3%+19.7pp |
| Annual return | 17.70% | 40.96%-23.3pp | 34.13%-16.4pp | 373.84%-356.1pp |
| Employer contribution / active EE | $4,648 | $4,636+0.2% | $4,570+1.7% | $4,755-2.2% |
| Participant deferral / active EE | $13,822 | $6,523+111.9% | $6,520+112.0% | $6,713+105.9% |
| Admin fee / account holder | $1,647 | $8,529-80.7% | $7,046-76.6% | $11,407-85.6% |