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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 | $61,787 | $89,367-30.9% | $141,191-56.2% | $72,975-15.3% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 23.80% | 111.87%-88.1pp | 71.41%-47.6pp | 81.01%-57.2pp |
| Employer contribution / active EE | $1,774 | $3,115-43.0% | $4,736-62.5% | $2,440-27.3% |
| Participant deferral / active EE | $10,889 | $5,419+101.0% | $6,710+62.3% | $3,608+201.8% |
| Admin fee / account holder | $6,031 | $5,957+1.2% | $10,264-41.2% | $5,124+17.7% |