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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 | $82,977 | $77,920+6.5% | $149,723-44.6% | $75,177+10.4% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 17.02% | 31.72%-14.7pp | 134.50%-117.5pp | 160.75%-143.7pp |
| Employer contribution / active EE | $3,177 | $3,138+1.2% | $4,821-34.1% | $2,671+19.0% |
| Participant deferral / active EE | $7,316 | $3,411+114.4% | $5,682+28.7% | $4,126+77.3% |
| Admin fee / account holder | $1,092 | $5,951-81.6% | $13,215-91.7% | $5,651-80.7% |