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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 | $80,861 | $93,598-13.6% | $135,974-40.5% | $75,173+7.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 15.55% | 30.89%-15.3pp | 68.30%-52.8pp | 160.72%-145.2pp |
| Employer contribution / active EE | $5,415 | $3,538+53.0% | $4,859+11.4% | $2,671+102.7% |
| Participant deferral / active EE | $4,386 | $6,405-31.5% | $7,760-43.5% | $4,126+6.3% |
| Admin fee / account holder | $556 | $6,978-92.0% | $10,767-94.8% | $5,651-90.2% |