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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 | $121,346 | $162,821-25.5% | $133,978-9.4% | $158,982-23.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 17.25% | 41.95%-24.7pp | 45.10%-27.8pp | 302.99%-285.7pp |
| Employer contribution / active EE | $1,995 | $4,976-59.9% | $3,919-49.1% | $4,763-58.1% |
| Participant deferral / active EE | $3,397 | $5,910-42.5% | $5,047-32.7% | $5,983-43.2% |
| Admin fee / account holder | $356 | $11,742-97.0% | $8,930-96.0% | $11,252-96.8% |