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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 | $115,086 | $83,337+38.1% | $67,834+69.7% | $273,972-58.0% |
| Participation rate | 100.0% | 76.4%+23.6pp | 68.8%+31.2pp | 83.0%+17.0pp |
| Annual return | 6.48% | 259.45%-253.0pp | 138.47%-132.0pp | 41.46%-35.0pp |
| Employer contribution / active EE | $4,823 | $3,287+46.7% | $2,403+100.7% | $4,869-0.9% |
| Participant deferral / active EE | $6,183 | $4,088+51.3% | $3,160+95.7% | $5,287+16.9% |
| Admin fee / account holder | $3,970 | $6,752-41.2% | $4,622-14.1% | $10,133-60.8% |