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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 | $114,524 | $91,179+25.6% | $178,499-35.8% | $79,852+43.4% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 12.70% | 24.19%-11.5pp | 151.10%-138.4pp | 31.72%-19.0pp |
| Employer contribution / active EE | $4,961 | $3,256+52.4% | $5,011-1.0% | $2,471+100.7% |
| Participant deferral / active EE | $6,597 | $3,236+103.9% | $5,202+26.8% | $3,740+76.4% |
| Admin fee / account holder | $2,044 | $6,749-69.7% | $13,986-85.4% | $5,306-61.5% |