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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 | $64,982 | $65,704-1.1% | $94,229-31.0% | $59,633+9.0% |
| Participation rate | 92.7% | 72.1%+20.6pp | 78.8%+14.0pp | 68.7%+24.1pp |
| Annual return | 12.64% | 5.22%+7.4pp | 10.68%+2.0pp | 2041.45%-2028.8pp |
| Employer contribution / active EE | $3,613 | $2,021+78.8% | $3,587+0.7% | $2,203+64.0% |
| Participant deferral / active EE | $4,449 | $3,143+41.5% | $4,320+3.0% | $3,192+39.4% |
| Admin fee / account holder | $700 | $4,265-83.6% | $6,269-88.8% | $4,297-83.7% |