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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 | $80,345 | $124,980-35.7% | $108,359-25.9% | $154,746-48.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 13.80% | 45.00%-31.2pp | 36.89%-23.1pp | 172.34%-158.5pp |
| Employer contribution / active EE | $3,586 | $2,851+25.8% | $2,399+49.4% | $4,379-18.1% |
| Participant deferral / active EE | $6,826 | $4,743+43.9% | $4,137+65.0% | $6,730+1.4% |
| Admin fee / account holder | $1,805 | $11,502-84.3% | $9,741-81.5% | $14,365-87.4% |