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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 | $72,229 | $167,323-56.8% | $143,770-49.8% | $134,493-46.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | 7.77% | 0.47%+7.3pp | -0.04%+7.8pp | 418.01%-410.2pp |
| Employer contribution / active EE | $9,625 | $5,619+71.3% | $4,951+94.4% | $4,740+103.1% |
| Participant deferral / active EE | $5,818 | $6,446-9.8% | $5,638+3.2% | $6,400-9.1% |
| Admin fee / account holder | $1,266 | $18,088-93.0% | $14,673-91.4% | $11,425-88.9% |