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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 | $68,047 | $92,798-26.7% | $96,707-29.6% | $137,256-50.4% |
| Participation rate | 100.0% | 81.6%+18.4pp | 80.4%+19.6pp | 80.0%+20.0pp |
| Annual return | 16.66% | 31.24%-14.6pp | 34.78%-18.1pp | 220.34%-203.7pp |
| Employer contribution / active EE | $7,682 | $4,147+85.2% | $4,191+83.3% | $4,156+84.8% |
| Participant deferral / active EE | $9,636 | $5,877+64.0% | $5,997+60.7% | $6,407+50.4% |
| Admin fee / account holder | $1,793 | $7,946-77.4% | $7,503-76.1% | $12,270-85.4% |