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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 | $69,451 | $76,551-9.3% | $123,894-43.9% | $62,881+10.4% |
| Participation rate | 100.0% | 73.0%+27.0pp | 81.4%+18.6pp | 69.3%+30.7pp |
| Annual return | 8.72% | 18.68%-10.0pp | 47.52%-38.8pp | 20.14%-11.4pp |
| Employer contribution / active EE | $6,351 | $2,882+120.3% | $4,617+37.6% | $2,281+178.5% |
| Participant deferral / active EE | $12,460 | $4,840+157.5% | $5,984+108.2% | $3,203+289.0% |
| Admin fee / account holder | $472 | $4,826-90.2% | $8,357-94.3% | $4,296-89.0% |