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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 | $65,829 | $64,920+1.4% | $103,693-36.5% | $86,983-24.3% |
| Participation rate | 100.0% | 63.6%+36.4pp | 72.6%+27.4pp | 69.5%+30.5pp |
| Annual return | 16.65% | 30.29%-13.6pp | 47.61%-31.0pp | 25.83%-9.2pp |
| Employer contribution / active EE | $1,995 | $2,141-6.8% | $2,920-31.7% | $2,584-22.8% |
| Participant deferral / active EE | $4,309 | $3,241+32.9% | $4,579-5.9% | $4,194+2.7% |
| Admin fee / account holder | $1,565 | $6,191-74.7% | $7,858-80.1% | $7,856-80.1% |