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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 | $77,644 | $76,407+1.6% | $150,298-48.3% | $82,448-5.8% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 15.43% | 39.99%-24.6pp | 62.79%-47.4pp | 41.64%-26.2pp |
| Employer contribution / active EE | $6,762 | $2,614+158.7% | $4,154+62.8% | $2,551+165.1% |
| Participant deferral / active EE | $4,801 | $3,214+49.4% | $5,453-11.9% | $4,139+16.0% |
| Admin fee / account holder | $2,106 | $6,352-66.8% | $14,116-85.1% | $7,234-70.9% |