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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 | $71,460 | $76,407-6.5% | $150,298-52.5% | $82,448-13.3% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 18.14% | 39.99%-21.8pp | 62.79%-44.6pp | 41.64%-23.5pp |
| Employer contribution / active EE | $4,044 | $2,614+54.7% | $4,154-2.6% | $2,551+58.5% |
| Participant deferral / active EE | $4,919 | $3,214+53.0% | $5,453-9.8% | $4,139+18.8% |
| Admin fee / account holder | $13,504 | $6,352+112.6% | $14,116-4.3% | $7,234+86.7% |