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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 | $42,975 | $112,729-61.9% | $98,716-56.5% | $137,256-68.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 17.94% | 38.48%-20.5pp | 31.81%-13.9pp | 220.34%-202.4pp |
| Employer contribution / active EE | $5,569 | $2,725+104.4% | $2,279+144.4% | $4,156+34.0% |
| Participant deferral / active EE | $12,392 | $4,640+167.1% | $4,048+206.2% | $6,407+93.4% |
| Admin fee / account holder | $4,182 | $10,129-58.7% | $8,703-51.9% | $12,270-65.9% |