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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 | $91,451 | $94,031-2.7% | $115,768-21.0% | $82,448+10.9% |
| Participation rate | 100.0% | 70.4%+29.6pp | 74.4%+25.6pp | 68.1%+31.9pp |
| Annual return | 15.92% | 20.61%-4.7pp | 100.46%-84.5pp | 41.64%-25.7pp |
| Employer contribution / active EE | $3,348 | $2,323+44.1% | $2,940+13.9% | $2,551+31.2% |
| Participant deferral / active EE | $4,989 | $3,972+25.6% | $4,917+1.5% | $4,139+20.5% |
| Admin fee / account holder | $6,425 | $10,249-37.3% | $12,439-48.3% | $7,234-11.2% |