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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 | $77,455 | $114,013-32.1% | $103,693-25.3% | $155,188-50.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 16.59% | 49.31%-32.7pp | 47.61%-31.0pp | 148.84%-132.3pp |
| Employer contribution / active EE | $2,953 | $3,131-5.7% | $2,920+1.1% | $4,248-30.5% |
| Participant deferral / active EE | $10,272 | $4,970+106.7% | $4,579+124.3% | $6,531+57.3% |
| Admin fee / account holder | $1,136 | $8,407-86.5% | $7,858-85.5% | $14,480-92.2% |