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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 | $71,299 | $142,430-49.9% | $115,170-38.1% | $152,885-53.4% |
| Participation rate | 100.0% | 82.4%+17.6pp | 75.9%+24.1pp | 82.5%+17.5pp |
| Annual return | 22.98% | 41.48%-18.5pp | 35.60%-12.6pp | 345.39%-322.4pp |
| Employer contribution / active EE | $4,259 | $4,011+6.2% | $3,179+34.0% | $4,763-10.6% |
| Participant deferral / active EE | $5,487 | $5,165+6.2% | $4,169+31.6% | $5,851-6.2% |
| Admin fee / account holder | $4,819 | $8,464-43.1% | $7,089-32.0% | $11,598-58.5% |