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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 | $76,320 | $126,661-39.7% | $113,397-32.7% | $138,895-45.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 17.35% | 25.05%-7.7pp | 23.20%-5.9pp | 145.39%-128.0pp |
| Employer contribution / active EE | $5,495 | $3,456+59.0% | $2,977+84.6% | $4,194+31.0% |
| Participant deferral / active EE | $11,851 | $5,693+108.2% | $5,076+133.5% | $6,396+85.3% |
| Admin fee / account holder | $699 | $14,549-95.2% | $11,957-94.2% | $12,562-94.4% |