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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 | $67,158 | $54,763+22.6% | $90,324-25.6% | $72,976-8.0% |
| Participation rate | 100.0% | 65.2%+34.8pp | 73.3%+26.7pp | 69.5%+30.5pp |
| Annual return | 22.74% | 30.63%-7.9pp | 78.15%-55.4pp | 81.02%-58.3pp |
| Employer contribution / active EE | $2,811 | $2,093+34.3% | $2,856-1.6% | $2,440+15.2% |
| Participant deferral / active EE | $5,227 | $2,887+81.1% | $3,885+34.5% | $3,608+44.9% |
| Admin fee / account holder | $859 | $3,973-78.4% | $5,356-84.0% | $5,124-83.2% |