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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 | $75,368 | $162,821-53.7% | $133,978-43.7% | $158,982-52.6% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 27.42% | 41.95%-14.5pp | 45.10%-17.7pp | 302.99%-275.6pp |
| Employer contribution / active EE | $3,084 | $4,976-38.0% | $3,919-21.3% | $4,763-35.2% |
| Participant deferral / active EE | $7,672 | $5,910+29.8% | $5,047+52.0% | $5,983+28.2% |
| Admin fee / account holder | $3,303 | $11,742-71.9% | $8,930-63.0% | $11,252-70.6% |