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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 | $90,622 | $77,901+16.3% | $149,717-39.5% | $75,181+20.5% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 18.31% | 31.73%-13.4pp | 134.41%-116.1pp | 160.69%-142.4pp |
| Employer contribution / active EE | $3,528 | $3,137+12.4% | $4,820-26.8% | $2,671+32.1% |
| Participant deferral / active EE | $2,559 | $3,411-25.0% | $5,682-55.0% | $4,126-38.0% |
| Admin fee / account holder | $4,335 | $5,949-27.1% | $13,213-67.2% | $5,650-23.3% |