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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 | $84,107 | $103,392-18.7% | $87,104-3.4% | $152,897-45.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 27.49% | 28.10%-0.6pp | 28.19%-0.7pp | 345.43%-317.9pp |
| Employer contribution / active EE | $2,068 | $3,221-35.8% | $2,521-18.0% | $4,764-56.6% |
| Participant deferral / active EE | $13,446 | $4,778+181.4% | $4,048+232.1% | $5,851+129.8% |
| Admin fee / account holder | $786 | $12,194-93.6% | $7,491-89.5% | $11,599-93.2% |