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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 | $69,641 | $68,586+1.5% | $120,380-42.1% | $80,911-13.9% |
| Participation rate | 100.0% | 61.6%+38.4pp | 71.9%+28.1pp | 67.6%+32.4pp |
| Annual return | 10.45% | 23.62%-13.2pp | 107.28%-96.8pp | 35.63%-25.2pp |
| Employer contribution / active EE | $3,730 | $2,053+81.7% | $3,465+7.6% | $2,756+35.3% |
| Participant deferral / active EE | $5,723 | $3,174+80.3% | $4,992+14.6% | $4,297+33.2% |
| Admin fee / account holder | $895 | $5,733-84.4% | $9,421-90.5% | $6,935-87.1% |