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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 | $42,615 | $135,956-68.7% | $123,894-65.6% | $273,972-84.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 8.72% | 56.63%-47.9pp | 47.52%-38.8pp | 41.46%-32.7pp |
| Employer contribution / active EE | $3,289 | $5,170-36.4% | $4,617-28.8% | $4,869-32.4% |
| Participant deferral / active EE | $9,543 | $6,343+50.4% | $5,984+59.5% | $5,287+80.5% |
| Admin fee / account holder | $3,472 | $9,817-64.6% | $8,357-58.5% | $10,133-65.7% |