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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 | $84,657 | $112,729-24.9% | $98,716-14.2% | $137,256-38.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 18.91% | 38.48%-19.6pp | 31.81%-12.9pp | 220.34%-201.4pp |
| Employer contribution / active EE | $1,178 | $2,725-56.8% | $2,279-48.3% | $4,156-71.7% |
| Participant deferral / active EE | $12,200 | $4,640+162.9% | $4,048+201.4% | $6,407+90.4% |
| Admin fee / account holder | $1,575 | $10,129-84.5% | $8,703-81.9% | $12,270-87.2% |