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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 | $78,773 | $176,786-55.4% | $146,643-46.3% | $167,536-53.0% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 10.44% | 24.04%-13.6pp | 22.75%-12.3pp | 478.82%-468.4pp |
| Employer contribution / active EE | $2,890 | $5,161-44.0% | $4,137-30.1% | $4,839-40.3% |
| Participant deferral / active EE | $9,578 | $6,440+48.7% | $5,506+74.0% | $6,342+51.0% |
| Admin fee / account holder | $484 | $13,262-96.3% | $10,280-95.3% | $12,315-96.1% |