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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 | $74,000 | $93,589-20.9% | $135,942-45.6% | $75,181-1.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 22.84% | 30.90%-8.1pp | 68.28%-45.4pp | 160.69%-137.8pp |
| Employer contribution / active EE | $3,628 | $3,537+2.6% | $4,858-25.3% | $2,671+35.9% |
| Participant deferral / active EE | $8,155 | $6,405+27.3% | $7,759+5.1% | $4,126+97.7% |
| Admin fee / account holder | $555 | $6,977-92.1% | $10,764-94.8% | $5,650-90.2% |