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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 | $79,928 | $78,423+1.9% | $95,964-16.7% | $79,856+0.1% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 10.22% | 19.37%-9.2pp | 91.64%-81.4pp | 31.71%-21.5pp |
| Employer contribution / active EE | $1,613 | $1,945-17.1% | $2,541-36.5% | $2,471-34.7% |
| Participant deferral / active EE | $8,321 | $3,440+141.9% | $4,167+99.7% | $3,741+122.5% |
| Admin fee / account holder | $8,481 | $5,622+50.9% | $6,797+24.8% | $5,306+59.8% |