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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 | $66,683 | $63,354+5.3% | $94,105-29.1% | $82,637-19.3% |
| Participation rate | 100.0% | 63.8%+36.2pp | 71.9%+28.1pp | 68.1%+31.9pp |
| Annual return | 18.15% | 34.36%-16.2pp | 204.55%-186.4pp | 53.51%-35.4pp |
| Employer contribution / active EE | $2,875 | $1,760+63.4% | $2,504+14.8% | $2,552+12.6% |
| Participant deferral / active EE | $7,164 | $2,873+149.3% | $3,881+84.6% | $4,126+73.6% |
| Admin fee / account holder | $466 | $5,073-90.8% | $6,199-92.5% | $7,339-93.7% |