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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 | $104,014 | $91,198+14.1% | $178,503-41.7% | $79,856+30.3% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 16.38% | 24.20%-7.8pp | 151.12%-134.7pp | 31.71%-15.3pp |
| Employer contribution / active EE | $5,775 | $3,257+77.3% | $5,011+15.2% | $2,471+133.7% |
| Participant deferral / active EE | $6,549 | $3,237+102.3% | $5,202+25.9% | $3,741+75.1% |
| Admin fee / account holder | $955 | $6,748-85.8% | $13,987-93.2% | $5,306-82.0% |