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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 | $68,425 | $106,280-35.6% | $96,538-29.1% | $139,487-50.9% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 18.22% | 38.48%-20.3pp | 35.74%-17.5pp | 373.84%-355.6pp |
| Employer contribution / active EE | $3,794 | $4,107-7.6% | $3,740+1.4% | $4,755-20.2% |
| Participant deferral / active EE | $8,455 | $5,457+54.9% | $4,880+73.2% | $6,713+26.0% |
| Admin fee / account holder | $3,664 | $7,888-53.5% | $6,737-45.6% | $11,407-67.9% |