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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 | $72,537 | $59,123+22.7% | $77,183-6.0% | $75,181-3.5% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.6%+30.4pp | 67.2%+32.8pp |
| Annual return | 18.77% | 26.72%-8.0pp | 37.89%-19.1pp | 160.69%-141.9pp |
| Employer contribution / active EE | $4,436 | $1,996+122.3% | $2,534+75.1% | $2,671+66.1% |
| Participant deferral / active EE | $8,540 | $2,999+184.8% | $3,833+122.8% | $4,126+107.0% |
| Admin fee / account holder | $3,783 | $4,776-20.8% | $5,475-30.9% | $5,650-33.0% |