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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 | $67,842 | $114,013-40.5% | $103,693-34.6% | $155,188-56.3% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 15.96% | 49.31%-33.3pp | 47.61%-31.6pp | 148.84%-132.9pp |
| Employer contribution / active EE | $3,039 | $3,131-2.9% | $2,920+4.1% | $4,248-28.5% |
| Participant deferral / active EE | $6,252 | $4,970+25.8% | $4,579+36.5% | $6,531-4.3% |
| Admin fee / account holder | $354 | $8,407-95.8% | $7,858-95.5% | $14,480-97.6% |