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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 | $99,974 | $124,980-20.0% | $108,359-7.7% | $154,746-35.4% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 12.16% | 45.00%-32.8pp | 36.89%-24.7pp | 172.34%-160.2pp |
| Employer contribution / active EE | $5,148 | $2,851+80.6% | $2,399+114.5% | $4,379+17.6% |
| Participant deferral / active EE | $3,195 | $4,743-32.6% | $4,137-22.8% | $6,730-52.5% |
| Admin fee / account holder | $3,452 | $11,502-70.0% | $9,741-64.6% | $14,365-76.0% |