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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 | $83,554 | $76,407+9.4% | $150,298-44.4% | $82,448+1.3% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 14.82% | 39.99%-25.2pp | 62.79%-48.0pp | 41.64%-26.8pp |
| Employer contribution / active EE | $2,268 | $2,614-13.2% | $4,154-45.4% | $2,551-11.1% |
| Participant deferral / active EE | $3,383 | $3,214+5.2% | $5,453-38.0% | $4,139-18.3% |
| Admin fee / account holder | $10,143 | $6,352+59.7% | $14,116-28.1% | $7,234+40.2% |