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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 | $69,301 | $76,407-9.3% | $150,298-53.9% | $82,448-15.9% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 20.23% | 39.99%-19.8pp | 62.79%-42.6pp | 41.64%-21.4pp |
| Employer contribution / active EE | $3,241 | $2,614+24.0% | $4,154-22.0% | $2,551+27.0% |
| Participant deferral / active EE | $10,758 | $3,214+234.7% | $5,453+97.3% | $4,139+159.9% |
| Admin fee / account holder | $2,083 | $6,352-67.2% | $14,116-85.2% | $7,234-71.2% |