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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 | $72,964 | $85,060-14.2% | $70,565+3.4% | $139,487-47.7% |
| Participation rate | 100.0% | 73.9%+26.1pp | 68.4%+31.6pp | 80.3%+19.7pp |
| Annual return | 18.61% | 30.39%-11.8pp | 32.79%-14.2pp | 373.84%-355.2pp |
| Employer contribution / active EE | $2,161 | $3,912-44.8% | $2,976-27.4% | $4,755-54.6% |
| Participant deferral / active EE | $9,041 | $5,891+53.5% | $4,568+97.9% | $6,713+34.7% |
| Admin fee / account holder | $5,453 | $8,932-39.0% | $6,430-15.2% | $11,407-52.2% |