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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 | $75,103 | $77,814-3.5% | $158,223-52.5% | $86,983-13.7% |
| Participation rate | 100.0% | 68.4%+31.6pp | 79.2%+20.8pp | 69.5%+30.5pp |
| Annual return | 15.40% | 30.54%-15.1pp | 52.09%-36.7pp | 25.83%-10.4pp |
| Employer contribution / active EE | $4,684 | $2,592+80.7% | $4,109+14.0% | $2,584+81.2% |
| Participant deferral / active EE | $6,377 | $3,270+95.0% | $5,467+16.6% | $4,194+52.1% |
| Admin fee / account holder | $1,739 | $5,879-70.4% | $16,047-89.2% | $7,856-77.9% |