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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 | $97,991 | $79,961+22.5% | $98,462-0.5% | $75,177+30.3% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.2%+24.8pp | 67.2%+32.8pp |
| Annual return | 17.45% | 19.75%-2.3pp | 21.17%-3.7pp | 160.75%-143.3pp |
| Employer contribution / active EE | $2,000 | $2,264-11.7% | $3,049-34.4% | $2,671-25.1% |
| Participant deferral / active EE | $2,706 | $3,753-27.9% | $4,738-42.9% | $4,126-34.4% |
| Admin fee / account holder | $21,736 | $6,842+217.7% | $8,875+144.9% | $5,651+284.6% |