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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 | $93,123 | $93,598-0.5% | $135,974-31.5% | $75,173+23.9% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 21.79% | 30.89%-9.1pp | 68.30%-46.5pp | 160.72%-138.9pp |
| Employer contribution / active EE | $6,619 | $3,538+87.1% | $4,859+36.2% | $2,671+147.8% |
| Participant deferral / active EE | $9,831 | $6,405+53.5% | $7,760+26.7% | $4,126+138.3% |
| Admin fee / account holder | $534 | $6,978-92.3% | $10,767-95.0% | $5,651-90.5% |