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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 | $86,893 | $115,917-25.0% | $100,535-13.6% | $158,982-45.3% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 22.82% | 34.80%-12.0pp | 30.90%-8.1pp | 302.99%-280.2pp |
| Employer contribution / active EE | $3,776 | $4,105-8.0% | $3,419+10.4% | $4,763-20.7% |
| Participant deferral / active EE | $10,714 | $6,677+60.5% | $6,271+70.8% | $5,983+79.1% |
| Admin fee / account holder | $552 | $11,002-95.0% | $8,085-93.2% | $11,252-95.1% |