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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 | $76,833 | $123,793-37.9% | $177,848-56.8% | $79,856-3.8% |
| Participation rate | 100.0% | 84.7%+15.3pp | 87.7%+12.3pp | 69.6%+30.4pp |
| Annual return | 11.82% | 22.82%-11.0pp | 48.33%-36.5pp | 31.71%-19.9pp |
| Employer contribution / active EE | $4,427 | $4,095+8.1% | $5,919-25.2% | $2,471+79.2% |
| Participant deferral / active EE | $3,003 | $5,956-49.6% | $7,714-61.1% | $3,741-19.7% |
| Admin fee / account holder | $1,302 | $7,243-82.0% | $12,431-89.5% | $5,306-75.5% |