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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 | $64,598 | $98,776-34.6% | $149,745-56.9% | $79,856-19.1% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 13.70% | 27.38%-13.7pp | 276.72%-263.0pp | 31.71%-18.0pp |
| Employer contribution / active EE | $4,903 | $3,217+52.4% | $4,646+5.5% | $2,471+98.4% |
| Participant deferral / active EE | $6,481 | $5,681+14.1% | $6,843-5.3% | $3,741+73.3% |
| Admin fee / account holder | $623 | $6,053-89.7% | $9,312-93.3% | $5,306-88.3% |