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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 | $79,815 | $162,785-51.0% | $133,959-40.4% | $158,950-49.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 15.89% | 41.94%-26.0pp | 45.09%-29.2pp | 302.91%-287.0pp |
| Employer contribution / active EE | $3,033 | $4,975-39.0% | $3,919-22.6% | $4,762-36.3% |
| Participant deferral / active EE | $5,514 | $5,910-6.7% | $5,047+9.2% | $5,983-7.8% |
| Admin fee / account holder | $309 | $11,738-97.4% | $8,928-96.5% | $11,248-97.3% |