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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 | $63,990 | $112,729-43.2% | $98,716-35.2% | $137,256-53.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 16.11% | 38.48%-22.4pp | 31.81%-15.7pp | 220.34%-204.2pp |
| Employer contribution / active EE | $3,995 | $2,725+46.6% | $2,279+75.3% | $4,156-3.9% |
| Participant deferral / active EE | $2,182 | $4,640-53.0% | $4,048-46.1% | $6,407-66.0% |
| Admin fee / account holder | $1,914 | $10,129-81.1% | $8,703-78.0% | $12,270-84.4% |