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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 | $96,407 | $81,233+18.7% | $155,567-38.0% | $80,874+19.2% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 21.09% | 33.33%-12.2pp | 64.74%-43.6pp | 35.62%-14.5pp |
| Employer contribution / active EE | $1,865 | $3,101-39.8% | $4,674-60.1% | $2,756-32.3% |
| Participant deferral / active EE | $4,697 | $3,452+36.1% | $5,628-16.5% | $4,297+9.3% |
| Admin fee / account holder | $7,594 | $7,998-5.0% | $15,916-52.3% | $6,935+9.5% |