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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 | $63,248 | $135,956-53.5% | $123,894-49.0% | $273,972-76.9% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 10.94% | 56.63%-45.7pp | 47.52%-36.6pp | 41.46%-30.5pp |
| Employer contribution / active EE | $3,704 | $5,170-28.4% | $4,617-19.8% | $4,869-23.9% |
| Participant deferral / active EE | $6,326 | $6,343-0.3% | $5,984+5.7% | $5,287+19.6% |
| Admin fee / account holder | $377 | $9,817-96.2% | $8,357-95.5% | $10,133-96.3% |