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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 | $167,706 | $110,240+52.1% | $96,544+73.7% | $139,487+20.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 13.83% | 26.41%-12.6pp | 25.88%-12.1pp | 373.84%-360.0pp |
| Employer contribution / active EE | $1,756 | $3,622-51.5% | $2,966-40.8% | $4,755-63.1% |
| Participant deferral / active EE | $3,753 | $5,549-32.4% | $4,851-22.6% | $6,713-44.1% |
| Admin fee / account holder | $20,592 | $11,602+77.5% | $8,254+149.5% | $11,407+80.5% |