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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 | $70,062 | $72,177-2.9% | $115,038-39.1% | $59,633+17.5% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | 3.30% | 12.02%-8.7pp | 26.14%-22.8pp | 2041.45%-2038.2pp |
| Employer contribution / active EE | $9,287 | $2,841+226.9% | $4,608+101.5% | $2,203+321.6% |
| Participant deferral / active EE | $7,199 | $4,783+50.5% | $6,026+19.5% | $3,192+125.6% |
| Admin fee / account holder | $558 | $4,927-88.7% | $8,175-93.2% | $4,297-87.0% |