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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 | $70,016 | $153,769-54.5% | $133,975-47.7% | $273,972-74.4% |
| Participation rate | 80.0% | 88.4%-8.4pp | 87.1%-7.1pp | 83.0%-3.0pp |
| Annual return | 3.45% | 36.51%-33.1pp | 29.29%-25.8pp | 41.46%-38.0pp |
| Employer contribution / active EE | $12,347 | $6,029+104.8% | $5,211+136.9% | $4,869+153.6% |
| Participant deferral / active EE | $0 | $6,958-100.0% | $6,282-100.0% | $5,287-100.0% |
| Admin fee / account holder | $3,934 | $11,765-66.6% | $9,324-57.8% | $10,133-61.2% |