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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 | $82,032 | $108,825-24.6% | $156,181-47.5% | $82,448-0.5% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 18.59% | 20.59%-2.0pp | 64.87%-46.3pp | 41.64%-23.0pp |
| Employer contribution / active EE | $3,947 | $2,870+37.5% | $4,294-8.1% | $2,551+54.7% |
| Participant deferral / active EE | $7,820 | $4,577+70.8% | $6,132+27.5% | $4,139+88.9% |
| Admin fee / account holder | $354 | $9,341-96.2% | $14,586-97.6% | $7,234-95.1% |