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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 | $85,969 | $182,442-52.9% | $163,379-47.4% | $138,895-38.1% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 17.12% | 72.74%-55.6pp | 63.41%-46.3pp | 145.39%-128.3pp |
| Employer contribution / active EE | $2,841 | $4,159-31.7% | $3,752-24.3% | $4,194-32.3% |
| Participant deferral / active EE | $5,028 | $6,817-26.2% | $6,282-20.0% | $6,396-21.4% |
| Admin fee / account holder | $433 | $10,396-95.8% | $9,818-95.6% | $12,562-96.6% |