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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 | $61,365 | $51,638+18.8% | $68,368-10.2% | $82,448-25.6% |
| Participation rate | 100.0% | 63.6%+36.4pp | 73.8%+26.2pp | 68.1%+31.9pp |
| Annual return | 17.75% | 37.53%-19.8pp | 292.57%-274.8pp | 41.64%-23.9pp |
| Employer contribution / active EE | $2,145 | $2,047+4.8% | $2,649-19.0% | $2,551-15.9% |
| Participant deferral / active EE | $3,301 | $2,914+13.3% | $4,123-19.9% | $4,139-20.2% |
| Admin fee / account holder | $8,323 | $4,643+79.2% | $5,150+61.6% | $7,234+15.1% |