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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 | $54,644 | $177,156-69.2% | $147,027-62.8% | $154,746-64.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 26.90% | 21.94%+5.0pp | 20.23%+6.7pp | 172.34%-145.4pp |
| Employer contribution / active EE | $27,896 | $4,336+543.3% | $3,626+669.3% | $4,379+537.0% |
| Participant deferral / active EE | $9,986 | $5,797+72.3% | $4,933+102.4% | $6,730+48.4% |
| Admin fee / account holder | $1,256 | $14,904-91.6% | $12,223-89.7% | $14,365-91.3% |