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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 | $79,674 | $99,053-19.6% | $88,179-9.6% | $138,895-42.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.1%+30.9pp | 79.9%+20.1pp |
| Annual return | 12.48% | 78.17%-65.7pp | 64.97%-52.5pp | 145.39%-132.9pp |
| Employer contribution / active EE | $2,294 | $2,882-20.4% | $2,549-10.0% | $4,194-45.3% |
| Participant deferral / active EE | $6,562 | $5,225+25.6% | $4,614+42.2% | $6,396+2.6% |
| Admin fee / account holder | $620 | $8,748-92.9% | $7,673-91.9% | $12,562-95.1% |