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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 | $88,397 | $124,980-29.3% | $108,359-18.4% | $154,746-42.9% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 12.81% | 45.00%-32.2pp | 36.89%-24.1pp | 172.34%-159.5pp |
| Employer contribution / active EE | $5,964 | $2,851+109.2% | $2,399+148.6% | $4,379+36.2% |
| Participant deferral / active EE | $7,523 | $4,743+58.6% | $4,137+81.8% | $6,730+11.8% |
| Admin fee / account holder | $439 | $11,502-96.2% | $9,741-95.5% | $14,365-96.9% |