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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 | $72,152 | $91,559-21.2% | $133,978-46.1% | $79,856-9.6% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | 14.22% | 61.85%-47.6pp | 45.10%-30.9pp | 31.71%-17.5pp |
| Employer contribution / active EE | $1,434 | $2,384-39.8% | $3,919-63.4% | $2,471-42.0% |
| Participant deferral / active EE | $2,441 | $3,734-34.6% | $5,047-51.6% | $3,741-34.7% |
| Admin fee / account holder | $4,449 | $6,321-29.6% | $8,930-50.2% | $5,306-16.2% |