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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 | $66,651 | $67,411-1.1% | $91,004-26.8% | $70,126-5.0% |
| Participation rate | 100.0% | 71.4%+28.6pp | 75.6%+24.4pp | 69.5%+30.5pp |
| Annual return | 14.76% | -40.16%+54.9pp | 4.60%+10.2pp | 73.15%-58.4pp |
| Employer contribution / active EE | $2,210 | $1,786+23.8% | $2,456-10.0% | $2,343-5.6% |
| Participant deferral / active EE | $4,575 | $2,823+62.1% | $3,548+29.0% | $3,332+37.3% |
| Admin fee / account holder | $733 | $4,236-82.7% | $5,417-86.5% | $4,645-84.2% |