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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 | $115,391 | $108,825+6.0% | $156,181-26.1% | $82,448+40.0% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 13.99% | 20.59%-6.6pp | 64.87%-50.9pp | 41.64%-27.7pp |
| Employer contribution / active EE | $2,096 | $2,870-27.0% | $4,294-51.2% | $2,551-17.8% |
| Participant deferral / active EE | $2,580 | $4,577-43.6% | $6,132-57.9% | $4,139-37.7% |
| Admin fee / account holder | $17,646 | $9,341+88.9% | $14,586+21.0% | $7,234+143.9% |