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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 | $74,534 | $98,766-24.5% | $149,730-50.2% | $79,852-6.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 15.41% | 27.43%-12.0pp | 276.70%-261.3pp | 31.72%-16.3pp |
| Employer contribution / active EE | $3,100 | $3,217-3.6% | $4,645-33.3% | $2,471+25.4% |
| Participant deferral / active EE | $3,864 | $5,681-32.0% | $6,843-43.5% | $3,740+3.3% |
| Admin fee / account holder | $1,145 | $6,052-81.1% | $9,310-87.7% | $5,306-78.4% |