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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 | $63,000 | $213,785-70.5% | $185,441-66.0% | $155,188-59.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 18.71% | 19.97%-1.3pp | 20.16%-1.5pp | 148.84%-130.1pp |
| Employer contribution / active EE | $5,949 | $5,393+10.3% | $4,672+27.3% | $4,248+40.1% |
| Participant deferral / active EE | $21,613 | $6,864+214.9% | $6,152+251.3% | $6,531+230.9% |
| Admin fee / account holder | $2,875 | $21,134-86.4% | $17,890-83.9% | $14,480-80.1% |