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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 | $74,791 | $76,551-2.3% | $123,894-39.6% | $62,881+18.9% |
| Participation rate | 100.0% | 73.0%+27.0pp | 81.4%+18.6pp | 69.3%+30.7pp |
| Annual return | 6.38% | 18.68%-12.3pp | 47.52%-41.1pp | 20.14%-13.8pp |
| Employer contribution / active EE | $4,958 | $2,882+72.0% | $4,617+7.4% | $2,281+117.4% |
| Participant deferral / active EE | $7,183 | $4,840+48.4% | $5,984+20.0% | $3,203+124.3% |
| Admin fee / account holder | $3,200 | $4,826-33.7% | $8,357-61.7% | $4,296-25.5% |