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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 | $84,830 | $91,179-7.0% | $178,499-52.5% | $79,852+6.2% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 20.90% | 24.19%-3.3pp | 151.10%-130.2pp | 31.72%-10.8pp |
| Employer contribution / active EE | $4,108 | $3,256+26.2% | $5,011-18.0% | $2,471+66.2% |
| Participant deferral / active EE | $4,833 | $3,236+49.4% | $5,202-7.1% | $3,740+29.2% |
| Admin fee / account holder | $968 | $6,749-85.6% | $13,986-93.1% | $5,306-81.7% |