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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 | $96,674 | $176,786-45.3% | $146,643-34.1% | $167,536-42.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 16.49% | 24.04%-7.6pp | 22.75%-6.3pp | 478.82%-462.3pp |
| Employer contribution / active EE | $2,125 | $5,161-58.8% | $4,137-48.6% | $4,839-56.1% |
| Participant deferral / active EE | $7,998 | $6,440+24.2% | $5,506+45.3% | $6,342+26.1% |
| Admin fee / account holder | $2,435 | $13,262-81.6% | $10,280-76.3% | $12,315-80.2% |