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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 | $119,113 | $239,571-50.3% | $183,328-35.0% | $137,256-13.2% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 80.0%+20.0pp |
| Annual return | 10.47% | 35.69%-25.2pp | 29.67%-19.2pp | 220.34%-209.9pp |
| Employer contribution / active EE | $2,454 | $6,148-60.1% | $5,055-51.4% | $4,156-40.9% |
| Participant deferral / active EE | $3,465 | $7,995-56.7% | $6,795-49.0% | $6,407-45.9% |
| Admin fee / account holder | $7,845 | $30,059-73.9% | $21,427-63.4% | $12,270-36.1% |