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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 | $65,078 | $116,167-44.0% | $64,489+0.9% | $137,256-52.6% |
| Participation rate | 85.7% | 68.2%+17.5pp | 67.7%+18.0pp | 80.0%+5.8pp |
| Annual return | 16.81% | 36.55%-19.7pp | 55.03%-38.2pp | 220.34%-203.5pp |
| Employer contribution / active EE | $5,346 | $2,483+115.3% | $1,523+251.0% | $4,156+28.6% |
| Participant deferral / active EE | $10,008 | $4,215+137.4% | $2,778+260.2% | $6,407+56.2% |
| Admin fee / account holder | $715 | $6,188-88.4% | $4,260-83.2% | $12,270-94.2% |