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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 | $114,289 | $84,236+35.7% | $170,435-32.9% | $70,126+63.0% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 16.02% | 23.06%-7.0pp | 205.94%-189.9pp | 73.15%-57.1pp |
| Employer contribution / active EE | $2,238 | $3,387-33.9% | $5,432-58.8% | $2,343-4.4% |
| Participant deferral / active EE | $4,292 | $3,086+39.1% | $4,939-13.1% | $3,332+28.8% |
| Admin fee / account holder | $5,331 | $5,698-6.4% | $13,881-61.6% | $4,645+14.8% |