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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 | $125,169 | $108,825+15.0% | $156,181-19.9% | $82,448+51.8% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 15.09% | 20.59%-5.5pp | 64.87%-49.8pp | 41.64%-26.5pp |
| Employer contribution / active EE | $2,740 | $2,870-4.5% | $4,294-36.2% | $2,551+7.4% |
| Participant deferral / active EE | $5,285 | $4,577+15.5% | $6,132-13.8% | $4,139+27.7% |
| Admin fee / account holder | $2,363 | $9,341-74.7% | $14,586-83.8% | $7,234-67.3% |