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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 | $65,187 | $81,276-19.8% | $155,574-58.1% | $80,925-19.4% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 13.02% | 33.36%-20.3pp | 64.87%-51.8pp | 35.65%-22.6pp |
| Employer contribution / active EE | $4,662 | $3,103+50.3% | $4,676-0.3% | $2,756+69.2% |
| Participant deferral / active EE | $7,665 | $3,453+122.0% | $5,629+36.2% | $4,299+78.3% |
| Admin fee / account holder | $4,644 | $7,993-41.9% | $15,914-70.8% | $6,940-33.1% |