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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 | $76,407+1.5% | $150,298-48.4% | $82,448-5.9% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 14.62% | 39.99%-25.4pp | 62.79%-48.2pp | 41.64%-27.0pp |
| Employer contribution / active EE | $4,673 | $2,614+78.8% | $4,154+12.5% | $2,551+83.2% |
| Participant deferral / active EE | $6,388 | $3,214+98.7% | $5,453+17.2% | $4,139+54.3% |
| Admin fee / account holder | $570 | $6,352-91.0% | $14,116-96.0% | $7,234-92.1% |