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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 | $79,360 | $181,062-56.2% | $158,223-49.8% | $155,188-48.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 18.07% | 57.39%-39.3pp | 52.09%-34.0pp | 148.84%-130.8pp |
| Employer contribution / active EE | $2,855 | $4,565-37.5% | $4,109-30.5% | $4,248-32.8% |
| Participant deferral / active EE | $6,938 | $6,134+13.1% | $5,467+26.9% | $6,531+6.2% |
| Admin fee / account holder | $348 | $18,825-98.2% | $16,047-97.8% | $14,480-97.6% |