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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 | $68,774 | $106,749-35.6% | $145,433-52.7% | $82,448-16.6% |
| Participation rate | 100.0% | 75.6%+24.4pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 16.96% | 27.59%-10.6pp | 66.58%-49.6pp | 41.64%-24.7pp |
| Employer contribution / active EE | $2,504 | $3,444-27.3% | $4,554-45.0% | $2,551-1.8% |
| Participant deferral / active EE | $4,588 | $6,519-29.6% | $7,897-41.9% | $4,139+10.8% |
| Admin fee / account holder | $3,603 | $8,390-57.1% | $13,129-72.6% | $7,234-50.2% |