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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 | $77,581 | $78,690-1.4% | $161,489-52.0% | $87,485-11.3% |
| Participation rate | 100.0% | 67.5%+32.5pp | 78.7%+21.3pp | 68.9%+31.1pp |
| Annual return | 14.62% | 32.74%-18.1pp | 89.72%-75.1pp | 26.06%-11.4pp |
| Employer contribution / active EE | $4,673 | $2,588+80.5% | $4,268+9.5% | $2,596+80.0% |
| Participant deferral / active EE | $6,388 | $3,311+92.9% | $5,630+13.5% | $4,274+49.5% |
| Admin fee / account holder | $570 | $6,724-91.5% | $16,006-96.4% | $7,775-92.7% |