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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 | $82,172 | $101,063-18.7% | $81,473+0.9% | $147,586-44.3% |
| Participation rate | 100.0% | 74.5%+25.5pp | 68.0%+32.0pp | 82.8%+17.2pp |
| Annual return | 33.67% | 32.41%+1.3pp | 38.78%-5.1pp | 578.59%-544.9pp |
| Employer contribution / active EE | $2,579 | $3,206-19.5% | $2,568+0.4% | $4,876-47.1% |
| Participant deferral / active EE | $8,224 | $4,242+93.9% | $3,537+132.5% | $5,439+51.2% |
| Admin fee / account holder | $1,148 | $5,812-80.2% | $4,561-74.8% | $10,886-89.5% |