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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 | $85,075 | $114,119-25.5% | $107,187-20.6% | $138,895-38.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 18.24% | 273.21%-255.0pp | 204.55%-186.3pp | 145.39%-127.2pp |
| Employer contribution / active EE | $2,717 | $4,059-33.1% | $3,782-28.2% | $4,194-35.2% |
| Participant deferral / active EE | $3,001 | $5,538-45.8% | $5,096-41.1% | $6,396-53.1% |
| Admin fee / account holder | $4,488 | $10,024-55.2% | $9,162-51.0% | $12,562-64.3% |