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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 | $79,239 | $91,179-13.1% | $178,499-55.6% | $79,852-0.8% |
| Participation rate | 98.1% | 69.2%+28.9pp | 81.9%+16.2pp | 69.6%+28.5pp |
| Annual return | 10.05% | 24.19%-14.1pp | 151.10%-141.0pp | 31.72%-21.7pp |
| Employer contribution / active EE | $6,004 | $3,256+84.4% | $5,011+19.8% | $2,471+143.0% |
| Participant deferral / active EE | $7,365 | $3,236+127.6% | $5,202+41.6% | $3,740+96.9% |
| Admin fee / account holder | $995 | $6,749-85.3% | $13,986-92.9% | $5,306-81.3% |