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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 | $86,309 | $98,760-12.6% | $149,715-42.4% | $79,858+8.1% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 37.33% | 27.43%+9.9pp | 276.66%-239.3pp | 31.72%+5.6pp |
| Employer contribution / active EE | $10,982 | $3,217+241.4% | $4,645+136.4% | $2,471+344.5% |
| Participant deferral / active EE | $6,696 | $5,681+17.9% | $6,842-2.1% | $3,740+79.0% |
| Admin fee / account holder | $3,331 | $6,053-45.0% | $9,310-64.2% | $5,306-37.2% |