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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 | $97,620 | $172,111-43.3% | $150,298-35.0% | $137,256-28.9% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 13.05% | 69.37%-56.3pp | 62.79%-49.7pp | 220.34%-207.3pp |
| Employer contribution / active EE | $7,124 | $4,636+53.7% | $4,154+71.5% | $4,156+71.4% |
| Participant deferral / active EE | $3,074 | $6,166-50.1% | $5,453-43.6% | $6,407-52.0% |
| Admin fee / account holder | $585 | $16,471-96.4% | $14,116-95.9% | $12,270-95.2% |