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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 | $73,523 | $126,661-42.0% | $113,397-35.2% | $138,895-47.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 19.51% | 25.05%-5.5pp | 23.20%-3.7pp | 145.39%-125.9pp |
| Employer contribution / active EE | $2,645 | $3,456-23.5% | $2,977-11.1% | $4,194-36.9% |
| Participant deferral / active EE | $10,312 | $5,693+81.1% | $5,076+103.1% | $6,396+61.2% |
| Admin fee / account holder | $457 | $14,549-96.9% | $11,957-96.2% | $12,562-96.4% |