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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 | $72,108 | $65,027+10.9% | $90,970-20.7% | $79,852-9.7% |
| Participation rate | 100.0% | 61.6%+38.4pp | 69.0%+31.0pp | 69.6%+30.4pp |
| Annual return | 21.19% | 30.45%-9.3pp | 134.58%-113.4pp | 31.72%-10.5pp |
| Employer contribution / active EE | $3,483 | $1,247+179.2% | $2,122+64.1% | $2,471+40.9% |
| Participant deferral / active EE | $5,794 | $2,512+130.7% | $3,373+71.8% | $3,740+54.9% |
| Admin fee / account holder | $3,141 | $4,535-30.7% | $5,960-47.3% | $5,306-40.8% |