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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 | $56,588 | $124,425-54.5% | $112,040-49.5% | $137,256-58.8% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 16.18% | 24.72%-8.5pp | 24.52%-8.3pp | 220.34%-204.2pp |
| Employer contribution / active EE | $2,318 | $3,411-32.1% | $2,954-21.5% | $4,156-44.2% |
| Participant deferral / active EE | $8,008 | $5,718+40.0% | $5,098+57.1% | $6,407+25.0% |
| Admin fee / account holder | $1,000 | $15,207-93.4% | $12,098-91.7% | $12,270-91.8% |