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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 | $89,932 | $103,392-13.0% | $87,104+3.2% | $152,897-41.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 14.90% | 28.10%-13.2pp | 28.19%-13.3pp | 345.43%-330.5pp |
| Employer contribution / active EE | $2,466 | $3,221-23.4% | $2,521-2.2% | $4,764-48.2% |
| Participant deferral / active EE | $2,375 | $4,778-50.3% | $4,048-41.3% | $5,851-59.4% |
| Admin fee / account holder | $12,047 | $12,194-1.2% | $7,491+60.8% | $11,599+3.9% |