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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 | $78,286 | $93,589-16.4% | $135,942-42.4% | $75,181+4.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 22.93% | 30.90%-8.0pp | 68.28%-45.3pp | 160.69%-137.8pp |
| Employer contribution / active EE | $16,193 | $3,537+357.8% | $4,858+233.4% | $2,671+506.4% |
| Participant deferral / active EE | $12,691 | $6,405+98.1% | $7,759+63.6% | $4,126+207.6% |
| Admin fee / account holder | $2,077 | $6,977-70.2% | $10,764-80.7% | $5,650-63.2% |