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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 | $76,253 | $65,034+17.3% | $90,970-16.2% | $79,856-4.5% |
| Participation rate | 100.0% | 61.6%+38.4pp | 69.0%+31.0pp | 69.6%+30.4pp |
| Annual return | 12.01% | 30.45%-18.4pp | 134.60%-122.6pp | 31.71%-19.7pp |
| Employer contribution / active EE | $905 | $1,247-27.5% | $2,122-57.3% | $2,471-63.4% |
| Participant deferral / active EE | $4,066 | $2,512+61.9% | $3,373+20.6% | $3,741+8.7% |
| Admin fee / account holder | $5,643 | $4,536+24.4% | $5,961-5.3% | $5,306+6.3% |