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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 | $89,935 | $110,212-18.4% | $96,534-6.8% | $139,466-35.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 15.44% | 26.42%-11.0pp | 25.88%-10.4pp | 373.66%-358.2pp |
| Employer contribution / active EE | $2,389 | $3,620-34.0% | $2,965-19.4% | $4,754-49.7% |
| Participant deferral / active EE | $4,885 | $5,547-11.9% | $4,851+0.7% | $6,712-27.2% |
| Admin fee / account holder | $446 | $11,599-96.2% | $8,253-94.6% | $11,409-96.1% |