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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 | $99,882 | $118,496-15.7% | $98,461+1.4% | $139,466-28.4% |
| Participation rate | 100.0% | 77.5%+22.5pp | 75.2%+24.8pp | 80.3%+19.7pp |
| Annual return | 14.12% | 18.96%-4.8pp | 21.17%-7.1pp | 373.66%-359.5pp |
| Employer contribution / active EE | $3,592 | $3,611-0.5% | $3,049+17.8% | $4,754-24.4% |
| Participant deferral / active EE | $3,218 | $5,393-40.3% | $4,738-32.1% | $6,712-52.1% |
| Admin fee / account holder | $6,104 | $14,056-56.6% | $8,961-31.9% | $11,409-46.5% |