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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 | $60,181 | $69,515-13.4% | $86,868-30.7% | $85,856-29.9% |
| Participation rate | 100.0% | 66.3%+33.7pp | 71.6%+28.4pp | 69.3%+30.7pp |
| Annual return | 17.56% | 20.12%-2.6pp | 63.53%-46.0pp | 318.58%-301.0pp |
| Employer contribution / active EE | $2,363 | $1,880+25.7% | $2,496-5.3% | $2,565-7.9% |
| Participant deferral / active EE | $4,316 | $2,919+47.9% | $3,699+16.7% | $3,952+9.2% |
| Admin fee / account holder | $797 | $5,972-86.7% | $5,829-86.3% | $6,261-87.3% |