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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 | $102,234 | $146,267-30.1% | $197,124-48.1% | $82,448+24.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 86.7%+13.3pp | 68.1%+31.9pp |
| Annual return | 17.01% | 29.61%-12.6pp | 44.34%-27.3pp | 41.64%-24.6pp |
| Employer contribution / active EE | $3,803 | $4,723-19.5% | $6,227-38.9% | $2,551+49.1% |
| Participant deferral / active EE | $10,864 | $7,035+54.4% | $9,135+18.9% | $4,139+162.5% |
| Admin fee / account holder | $7,516 | $14,422-47.9% | $16,298-53.9% | $7,234+3.9% |