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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 | $69,631 | $143,969-51.6% | $199,883-65.2% | $82,637-15.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 86.8%+13.2pp | 68.1%+31.9pp |
| Annual return | 17.74% | 25.67%-7.9pp | 43.81%-26.1pp | 53.51%-35.8pp |
| Employer contribution / active EE | $4,493 | $4,632-3.0% | $6,261-28.2% | $2,552+76.0% |
| Participant deferral / active EE | $10,243 | $6,937+47.6% | $9,138+12.1% | $4,126+148.2% |
| Admin fee / account holder | $487 | $14,597-96.7% | $17,268-97.2% | $7,339-93.4% |