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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 | $126,752 | $177,595-28.6% | $148,496-14.6% | $198,609-36.2% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.0%+24.0pp | 82.4%+17.6pp |
| Annual return | 63.52% | 9.97%+53.6pp | 12.33%+51.2pp | 202.70%-139.2pp |
| Employer contribution / active EE | $3,122 | $4,098-23.8% | $3,497-10.7% | $5,055-38.2% |
| Participant deferral / active EE | $5,064 | $5,539-8.6% | $4,808+5.3% | $6,977-27.4% |
| Admin fee / account holder | $2,607 | $27,010-90.3% | $19,547-86.7% | $19,030-86.3% |