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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 | $75,874 | $91,179-16.8% | $178,499-57.5% | $79,852-5.0% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 14.54% | 24.19%-9.7pp | 151.10%-136.6pp | 31.72%-17.2pp |
| Employer contribution / active EE | $4,100 | $3,256+25.9% | $5,011-18.2% | $2,471+65.9% |
| Participant deferral / active EE | $3,743 | $3,236+15.7% | $5,202-28.0% | $3,740+0.1% |
| Admin fee / account holder | $2,723 | $6,749-59.7% | $13,986-80.5% | $5,306-48.7% |