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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 | $79,299 | $124,314-36.2% | $109,163-27.4% | $167,518-52.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 11.35% | 26.04%-14.7pp | 25.75%-14.4pp | 478.71%-467.4pp |
| Employer contribution / active EE | $2,024 | $4,209-51.9% | $3,723-45.6% | $4,838-58.2% |
| Participant deferral / active EE | $4,333 | $5,256-17.6% | $4,654-6.9% | $6,342-31.7% |
| Admin fee / account holder | $1,392 | $7,973-82.5% | $6,754-79.4% | $12,312-88.7% |