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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 | $104,008 | $83,908+24.0% | $68,509+51.8% | $125,389-17.1% |
| Participation rate | 100.0% | 78.2%+21.8pp | 74.7%+25.3pp | 83.2%+16.8pp |
| Annual return | 1.94% | 14.48%-12.5pp | 8.27%-6.3pp | 282.24%-280.3pp |
| Employer contribution / active EE | $3,782 | $3,031+24.8% | $2,278+66.1% | $4,866-22.3% |
| Participant deferral / active EE | $5,298 | $4,125+28.4% | $3,382+56.6% | $5,352-1.0% |
| Admin fee / account holder | $26,086 | $8,982+190.4% | $5,275+394.6% | $9,541+173.4% |