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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 | $66,004 | $94,439-30.1% | $73,658-10.4% | $154,746-57.3% |
| Participation rate | 100.0% | 64.7%+35.3pp | 57.0%+43.0pp | 80.7%+19.3pp |
| Annual return | 10.39% | 28.25%-17.9pp | 29.72%-19.3pp | 172.34%-161.9pp |
| Employer contribution / active EE | $2,808 | $1,257+123.3% | $1,032+172.0% | $4,379-35.9% |
| Participant deferral / active EE | $2,911 | $2,527+15.2% | $2,062+41.2% | $6,730-56.8% |
| Admin fee / account holder | $856 | $3,843-77.7% | $3,357-74.5% | $14,365-94.0% |