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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 | $119,740 | $213,785-44.0% | $185,441-35.4% | $155,188-22.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 16.43% | 19.97%-3.5pp | 20.16%-3.7pp | 148.84%-132.4pp |
| Employer contribution / active EE | $2,391 | $5,393-55.7% | $4,672-48.8% | $4,248-43.7% |
| Participant deferral / active EE | $10,826 | $6,864+57.7% | $6,152+76.0% | $6,531+65.8% |
| Admin fee / account holder | $5,795 | $21,134-72.6% | $17,890-67.6% | $14,480-60.0% |