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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 | $67,367 | $110,212-38.9% | $96,534-30.2% | $139,466-51.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 30.63% | 26.42%+4.2pp | 25.88%+4.8pp | 373.66%-343.0pp |
| Employer contribution / active EE | $2,891 | $3,620-20.2% | $2,965-2.5% | $4,754-39.2% |
| Participant deferral / active EE | $4,561 | $5,547-17.8% | $4,851-6.0% | $6,712-32.1% |
| Admin fee / account holder | $681 | $11,599-94.1% | $8,253-91.8% | $11,409-94.0% |