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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 | $85,893 | $73,988+16.1% | $96,538-11.0% | $75,177+14.3% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 15.67% | 26.73%-11.1pp | 35.74%-20.1pp | 160.75%-145.1pp |
| Employer contribution / active EE | $6,499 | $2,930+121.8% | $3,740+73.8% | $2,671+143.3% |
| Participant deferral / active EE | $3,870 | $3,660+5.7% | $4,880-20.7% | $4,126-6.2% |
| Admin fee / account holder | $1,980 | $5,220-62.1% | $6,737-70.6% | $5,651-65.0% |