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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 | $74,396 | $112,729-34.0% | $98,716-24.6% | $137,256-45.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 15.36% | 38.48%-23.1pp | 31.81%-16.4pp | 220.34%-205.0pp |
| Employer contribution / active EE | $2,542 | $2,725-6.7% | $2,279+11.6% | $4,156-38.8% |
| Participant deferral / active EE | $7,324 | $4,640+57.8% | $4,048+80.9% | $6,407+14.3% |
| Admin fee / account holder | $6,795 | $10,129-32.9% | $8,703-21.9% | $12,270-44.6% |