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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 | $80,591 | $91,179-11.6% | $178,499-54.9% | $79,852+0.9% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 15.18% | 24.19%-9.0pp | 151.10%-135.9pp | 31.72%-16.5pp |
| Employer contribution / active EE | $2,256 | $3,256-30.7% | $5,011-55.0% | $2,471-8.7% |
| Participant deferral / active EE | $5,234 | $3,236+61.8% | $5,202+0.6% | $3,740+39.9% |
| Admin fee / account holder | $1,366 | $6,749-79.8% | $13,986-90.2% | $5,306-74.3% |