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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 | $30,856 | $135,956-77.3% | $123,894-75.1% | $273,972-88.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 4.63% | 56.63%-52.0pp | 47.52%-42.9pp | 41.46%-36.8pp |
| Employer contribution / active EE | $3,388 | $5,170-34.5% | $4,617-26.6% | $4,869-30.4% |
| Participant deferral / active EE | $7,196 | $6,343+13.5% | $5,984+20.2% | $5,287+36.1% |
| Admin fee / account holder | $3,995 | $9,817-59.3% | $8,357-52.2% | $10,133-60.6% |