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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 | $74,344 | $106,280-30.0% | $96,538-23.0% | $139,487-46.7% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 14.80% | 38.48%-23.7pp | 35.74%-20.9pp | 373.84%-359.0pp |
| Employer contribution / active EE | $1,512 | $4,107-63.2% | $3,740-59.6% | $4,755-68.2% |
| Participant deferral / active EE | $8,136 | $5,457+49.1% | $4,880+66.7% | $6,713+21.2% |
| Admin fee / account holder | $1,330 | $7,888-83.1% | $6,737-80.3% | $11,407-88.3% |