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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 | $84,238 | $90,400-6.8% | $186,193-54.8% | $87,485-3.7% |
| Participation rate | 100.0% | 66.2%+33.8pp | 77.1%+22.9pp | 68.9%+31.1pp |
| Annual return | 15.70% | 22.15%-6.4pp | 78.03%-62.3pp | 26.06%-10.4pp |
| Employer contribution / active EE | $2,889 | $2,170+33.1% | $3,918-26.3% | $2,596+11.3% |
| Participant deferral / active EE | $5,430 | $4,330+25.4% | $6,513-16.6% | $4,274+27.1% |
| Admin fee / account holder | $1,145 | $8,673-86.8% | $11,058-89.6% | $7,775-85.3% |