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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 | $71,432 | $103,393-30.9% | $87,103-18.0% | $152,909-53.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 21.26% | 28.10%-6.8pp | 28.19%-6.9pp | 345.46%-324.2pp |
| Employer contribution / active EE | $1,844 | $3,221-42.8% | $2,521-26.9% | $4,764-61.3% |
| Participant deferral / active EE | $3,806 | $4,778-20.3% | $4,049-6.0% | $5,851-35.0% |
| Admin fee / account holder | $494 | $12,195-95.9% | $7,491-93.4% | $11,601-95.7% |