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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 | $69,381 | $113,339-38.8% | $94,993-27.0% | $147,585-53.0% |
| Participation rate | 100.0% | 78.0%+22.0pp | 73.9%+26.1pp | 82.8%+17.2pp |
| Annual return | 13.47% | 20.77%-7.3pp | 27.12%-13.7pp | 578.57%-565.1pp |
| Employer contribution / active EE | $6,051 | $3,160+91.5% | $2,603+132.4% | $4,876+24.1% |
| Participant deferral / active EE | $3,371 | $3,777-10.8% | $3,317+1.6% | $5,439-38.0% |
| Admin fee / account holder | $798 | $6,063-86.8% | $4,960-83.9% | $10,885-92.7% |