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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 | $73,704 | $104,650-29.6% | $83,854-12.1% | $155,188-52.5% |
| Participation rate | 100.0% | 65.1%+34.9pp | 59.1%+40.9pp | 80.8%+19.2pp |
| Annual return | 16.22% | 28.97%-12.8pp | 31.39%-15.2pp | 148.84%-132.6pp |
| Employer contribution / active EE | $2,128 | $1,196+77.9% | $1,017+109.2% | $4,248-49.9% |
| Participant deferral / active EE | $6,786 | $2,367+186.7% | $2,035+233.4% | $6,531+3.9% |
| Admin fee / account holder | $9,435 | $3,518+168.2% | $3,197+195.1% | $14,480-34.8% |