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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 | $94,436-3.2% | $115,599-20.9% | $82,637+10.7% |
| Participation rate | 100.0% | 70.4%+29.6pp | 74.3%+25.7pp | 68.1%+31.9pp |
| Annual return | 15.92% | 18.37%-2.5pp | 111.10%-95.2pp | 53.51%-37.6pp |
| Employer contribution / active EE | $3,348 | $2,324+44.1% | $2,955+13.3% | $2,552+31.2% |
| Participant deferral / active EE | $4,989 | $3,955+26.1% | $4,889+2.0% | $4,126+20.9% |
| Admin fee / account holder | $6,425 | $10,328-37.8% | $12,841-50.0% | $7,339-12.5% |