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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 | $71,376 | $96,524-26.1% | $75,900-6.0% | $152,909-53.3% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 16.74% | 33.93%-17.2pp | 30.73%-14.0pp | 345.46%-328.7pp |
| Employer contribution / active EE | $3,592 | $3,311+8.5% | $2,501+43.6% | $4,764-24.6% |
| Participant deferral / active EE | $6,374 | $4,554+39.9% | $3,604+76.9% | $5,851+8.9% |
| Admin fee / account holder | $3,312 | $8,082-59.0% | $5,421-38.9% | $11,601-71.5% |