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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 | $83,554 | $77,814+7.4% | $158,223-47.2% | $86,983-3.9% |
| Participation rate | 100.0% | 68.4%+31.6pp | 79.2%+20.8pp | 69.5%+30.5pp |
| Annual return | 14.82% | 30.54%-15.7pp | 52.09%-37.3pp | 25.83%-11.0pp |
| Employer contribution / active EE | $2,268 | $2,592-12.5% | $4,109-44.8% | $2,584-12.3% |
| Participant deferral / active EE | $3,383 | $3,270+3.5% | $5,467-38.1% | $4,194-19.3% |
| Admin fee / account holder | $10,143 | $5,879+72.5% | $16,047-36.8% | $7,856+29.1% |