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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 | $80,345 | $123,155-34.8% | $108,753-26.1% | $155,188-48.2% |
| Participation rate | 100.0% | 75.6%+24.4pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 13.80% | 44.73%-30.9pp | 37.47%-23.7pp | 148.84%-135.0pp |
| Employer contribution / active EE | $3,586 | $2,811+27.5% | $2,427+47.8% | $4,248-15.6% |
| Participant deferral / active EE | $6,826 | $4,623+47.7% | $4,115+65.9% | $6,531+4.5% |
| Admin fee / account holder | $1,805 | $12,126-85.1% | $10,320-82.5% | $14,480-87.5% |