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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 | $104,301 | $78,670+32.6% | $109,173-4.5% | $85,847+21.5% |
| Participation rate | 100.0% | 68.3%+31.7pp | 75.9%+24.1pp | 69.3%+30.7pp |
| Annual return | 17.88% | 25.09%-7.2pp | 25.75%-7.9pp | 318.61%-300.7pp |
| Employer contribution / active EE | $2,244 | $2,734-17.9% | $3,723-39.7% | $2,565-12.5% |
| Participant deferral / active EE | $5,038 | $3,467+45.3% | $4,654+8.3% | $3,952+27.5% |
| Admin fee / account holder | $304 | $5,469-94.4% | $6,755-95.5% | $6,261-95.1% |