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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 | $68,106 | $97,125-29.9% | $86,233-21.0% | $137,256-50.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 19.47% | 74.19%-54.7pp | 61.39%-41.9pp | 220.34%-200.9pp |
| Employer contribution / active EE | $3,621 | $2,841+27.4% | $2,504+44.6% | $4,156-12.9% |
| Participant deferral / active EE | $8,213 | $5,180+58.6% | $4,559+80.1% | $6,407+28.2% |
| Admin fee / account holder | $1,585 | $9,725-83.7% | $8,342-81.0% | $12,270-87.1% |