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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 | $73,142 | $93,598-21.9% | $135,974-46.2% | $75,173-2.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 21.83% | 30.89%-9.1pp | 68.30%-46.5pp | 160.72%-138.9pp |
| Employer contribution / active EE | $7,076 | $3,538+100.0% | $4,859+45.6% | $2,671+164.9% |
| Participant deferral / active EE | $12,720 | $6,405+98.6% | $7,760+63.9% | $4,126+208.3% |
| Admin fee / account holder | $2,586 | $6,978-62.9% | $10,767-76.0% | $5,651-54.2% |