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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 | $103,925 | $54,541+90.5% | $78,778+31.9% | $70,126+48.2% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.2%+30.8pp | 69.5%+30.5pp |
| Annual return | 14.61% | 21.07%-6.5pp | 35.62%-21.0pp | 73.15%-58.5pp |
| Employer contribution / active EE | $2,660 | $1,089+144.3% | $1,986+33.9% | $2,343+13.5% |
| Participant deferral / active EE | $6,543 | $2,210+196.0% | $2,958+121.2% | $3,332+96.4% |
| Admin fee / account holder | $2,850 | $3,709-23.2% | $5,134-44.5% | $4,645-38.7% |