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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 | $123,302 | $81,358+51.6% | $155,556-20.7% | $80,959+52.3% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 16.09% | 33.39%-17.3pp | 64.84%-48.7pp | 35.67%-19.6pp |
| Employer contribution / active EE | $2,184 | $3,106-29.7% | $4,675-53.3% | $2,757-20.8% |
| Participant deferral / active EE | $5,067 | $3,455+46.7% | $5,631-10.0% | $4,300+17.8% |
| Admin fee / account holder | $9,935 | $7,994+24.3% | $15,885-37.5% | $6,925+43.5% |