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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 | $96,491-26.0% | $75,888-5.9% | $152,870-53.3% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.4%+17.6pp |
| Annual return | 16.74% | 33.98%-17.2pp | 30.76%-14.0pp | 345.34%-328.6pp |
| Employer contribution / active EE | $3,592 | $3,310+8.5% | $2,501+43.6% | $4,763-24.6% |
| Participant deferral / active EE | $6,374 | $4,553+40.0% | $3,603+76.9% | $5,850+8.9% |
| Admin fee / account holder | $3,312 | $8,079-59.0% | $5,419-38.9% | $11,597-71.4% |