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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 | $75,217 | $98,776-23.9% | $149,745-49.8% | $79,856-5.8% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 17.72% | 27.38%-9.7pp | 276.72%-259.0pp | 31.71%-14.0pp |
| Employer contribution / active EE | $2,508 | $3,217-22.0% | $4,646-46.0% | $2,471+1.5% |
| Participant deferral / active EE | $8,200 | $5,681+44.3% | $6,843+19.8% | $3,741+119.2% |
| Admin fee / account holder | $5,657 | $6,053-6.5% | $9,312-39.2% | $5,306+6.6% |