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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 | $68,417 | $81,262-15.8% | $155,602-56.0% | $80,911-15.4% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 53.71% | 33.34%+20.4pp | 64.81%-11.1pp | 35.63%+18.1pp |
| Employer contribution / active EE | $7,333 | $3,102+136.4% | $4,675+56.9% | $2,756+166.1% |
| Participant deferral / active EE | $3,862 | $3,451+11.9% | $5,629-31.4% | $4,297-10.1% |
| Admin fee / account holder | $30,197 | $7,992+277.9% | $15,923+89.6% | $6,935+335.5% |