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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 | $93,182 | $78,423+18.8% | $95,964-2.9% | $79,856+16.7% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 12.82% | 19.37%-6.6pp | 91.64%-78.8pp | 31.71%-18.9pp |
| Employer contribution / active EE | $5,800 | $1,945+198.1% | $2,541+128.2% | $2,471+134.7% |
| Participant deferral / active EE | $2,354 | $3,440-31.6% | $4,167-43.5% | $3,741-37.1% |
| Admin fee / account holder | $1,343 | $5,622-76.1% | $6,797-80.2% | $5,306-74.7% |