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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 | $79,268 | $106,864-25.8% | $147,318-46.2% | $82,637-4.1% |
| Participation rate | 100.0% | 75.5%+24.5pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 21.72% | 27.49%-5.8pp | 70.43%-48.7pp | 53.51%-31.8pp |
| Employer contribution / active EE | $2,833 | $3,417-17.1% | $4,593-38.3% | $2,552+11.0% |
| Participant deferral / active EE | $6,802 | $6,496+4.7% | $7,906-14.0% | $4,126+64.8% |
| Admin fee / account holder | $4,535 | $8,415-46.1% | $13,708-66.9% | $7,339-38.2% |