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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 | $77,753 | $81,233-4.3% | $155,567-50.0% | $80,874-3.9% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 14.14% | 33.33%-19.2pp | 64.74%-50.6pp | 35.62%-21.5pp |
| Employer contribution / active EE | $2,824 | $3,101-8.9% | $4,674-39.6% | $2,756+2.5% |
| Participant deferral / active EE | $5,775 | $3,452+67.3% | $5,628+2.6% | $4,297+34.4% |
| Admin fee / account holder | $14,096 | $7,998+76.3% | $15,916-11.4% | $6,935+103.3% |