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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 | $96,632 | $98,766-2.2% | $149,730-35.5% | $79,852+21.0% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 17.43% | 27.43%-10.0pp | 276.70%-259.3pp | 31.72%-14.3pp |
| Employer contribution / active EE | $4,946 | $3,217+53.8% | $4,645+6.5% | $2,471+100.2% |
| Participant deferral / active EE | $4,709 | $5,681-17.1% | $6,843-31.2% | $3,740+25.9% |
| Admin fee / account holder | $1,608 | $6,052-73.4% | $9,310-82.7% | $5,306-69.7% |