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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 | $69,930 | $93,598-25.3% | $135,974-48.6% | $75,173-7.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 21.97% | 30.89%-8.9pp | 68.30%-46.3pp | 160.72%-138.7pp |
| Employer contribution / active EE | $6,777 | $3,538+91.6% | $4,859+39.5% | $2,671+153.7% |
| Participant deferral / active EE | $9,502 | $6,405+48.3% | $7,760+22.5% | $4,126+130.3% |
| Admin fee / account holder | $1,612 | $6,978-76.9% | $10,767-85.0% | $5,651-71.5% |