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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 | $105,540 | $108,285-2.5% | $77,552+36.1% | $158,982-33.6% |
| Participation rate | 100.0% | 64.4%+35.6pp | 54.2%+45.8pp | 82.0%+18.0pp |
| Annual return | 17.50% | 31.69%-14.2pp | 54.82%-37.3pp | 302.99%-285.5pp |
| Employer contribution / active EE | $1,654 | $1,325+24.9% | $987+67.7% | $4,763-65.3% |
| Participant deferral / active EE | $5,136 | $2,455+109.2% | $1,861+176.0% | $5,983-14.2% |
| Admin fee / account holder | $2,216 | $3,709-40.3% | $2,859-22.5% | $11,252-80.3% |