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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 | $100,494 | $162,812-38.3% | $133,971-25.0% | $158,966-36.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 21.04% | 41.94%-20.9pp | 45.09%-24.1pp | 302.95%-281.9pp |
| Employer contribution / active EE | $2,843 | $4,976-42.9% | $3,919-27.4% | $4,762-40.3% |
| Participant deferral / active EE | $3,414 | $5,910-42.2% | $5,047-32.4% | $5,983-42.9% |
| Admin fee / account holder | $3,570 | $11,741-69.6% | $8,929-60.0% | $11,250-68.3% |