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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 | $79,863 | $127,387-37.3% | $115,038-30.6% | $125,389-36.3% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 1.49% | 31.28%-29.8pp | 26.14%-24.7pp | 282.24%-280.7pp |
| Employer contribution / active EE | $1,312 | $5,166-74.6% | $4,608-71.5% | $4,866-73.0% |
| Participant deferral / active EE | $3,652 | $6,423-43.1% | $6,026-39.4% | $5,352-31.8% |
| Admin fee / account holder | $14,295 | $9,516+50.2% | $8,175+74.9% | $9,541+49.8% |