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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 | $235,071 | $110,379+113.0% | $102,412+129.5% | $145,884+61.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.54% | 24.84%-12.3pp | 24.94%-12.4pp | 551.85%-539.3pp |
| Employer contribution / active EE | $2,966 | $4,216-29.7% | $3,870-23.4% | $4,662-36.4% |
| Participant deferral / active EE | $5,033 | $5,622-10.5% | $5,060-0.5% | $6,690-24.8% |
| Admin fee / account holder | $2,403 | $9,745-75.3% | $8,388-71.4% | $13,392-82.1% |