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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 | $70,926 | $98,776-28.2% | $149,745-52.6% | $79,856-11.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 16.15% | 27.38%-11.2pp | 276.72%-260.6pp | 31.71%-15.6pp |
| Employer contribution / active EE | $2,928 | $3,217-9.0% | $4,646-37.0% | $2,471+18.5% |
| Participant deferral / active EE | $6,018 | $5,681+5.9% | $6,843-12.1% | $3,741+60.9% |
| Admin fee / account holder | $6,347 | $6,053+4.9% | $9,312-31.8% | $5,306+19.6% |