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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 | $76,534 | $112,729-32.1% | $98,716-22.5% | $137,256-44.2% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 20.29% | 38.48%-18.2pp | 31.81%-11.5pp | 220.34%-200.1pp |
| Employer contribution / active EE | $1,798 | $2,725-34.0% | $2,279-21.1% | $4,156-56.7% |
| Participant deferral / active EE | $13,438 | $4,640+189.6% | $4,048+232.0% | $6,407+109.7% |
| Admin fee / account holder | $506 | $10,129-95.0% | $8,703-94.2% | $12,270-95.9% |