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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 | $102,927 | $77,920+32.1% | $149,723-31.3% | $75,177+36.9% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 15.82% | 31.72%-15.9pp | 134.50%-118.7pp | 160.75%-144.9pp |
| Employer contribution / active EE | $6,002 | $3,138+91.2% | $4,821+24.5% | $2,671+124.7% |
| Participant deferral / active EE | $5,292 | $3,411+55.1% | $5,682-6.9% | $4,126+28.2% |
| Admin fee / account holder | $454 | $5,951-92.4% | $13,215-96.6% | $5,651-92.0% |