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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 | $103,526 | $135,956-23.9% | $123,894-16.4% | $273,972-62.2% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 4.17% | 56.63%-52.5pp | 47.52%-43.3pp | 41.46%-37.3pp |
| Employer contribution / active EE | $2,296 | $5,170-55.6% | $4,617-50.3% | $4,869-52.8% |
| Participant deferral / active EE | $5,381 | $6,343-15.2% | $5,984-10.1% | $5,287+1.8% |
| Admin fee / account holder | $21,392 | $9,817+117.9% | $8,357+156.0% | $10,133+111.1% |