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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 | $71,226 | $101,063-29.5% | $81,473-12.6% | $147,586-51.7% |
| Participation rate | 100.0% | 74.5%+25.5pp | 68.0%+32.0pp | 82.8%+17.2pp |
| Annual return | 8.06% | 32.41%-24.3pp | 38.78%-30.7pp | 578.59%-570.5pp |
| Employer contribution / active EE | $2,717 | $3,206-15.2% | $2,568+5.8% | $4,876-44.3% |
| Participant deferral / active EE | $643 | $4,242-84.9% | $3,537-81.8% | $5,439-88.2% |
| Admin fee / account holder | $6,608 | $5,812+13.7% | $4,561+44.9% | $10,886-39.3% |