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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 | $88,158 | $81,233+8.5% | $155,567-43.3% | $80,874+9.0% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 11.28% | 33.33%-22.1pp | 64.74%-53.5pp | 35.62%-24.3pp |
| Employer contribution / active EE | $11,205 | $3,101+261.4% | $4,674+139.7% | $2,756+306.6% |
| Participant deferral / active EE | $7,285 | $3,452+111.0% | $5,628+29.4% | $4,297+69.5% |
| Admin fee / account holder | $1,731 | $7,998-78.4% | $15,916-89.1% | $6,935-75.0% |