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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 | $65,135 | $87,037-25.2% | $106,201-38.7% | $80,874-19.5% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.6%+32.4pp |
| Annual return | 12.63% | 17.05%-4.4pp | 116.26%-103.6pp | 35.62%-23.0pp |
| Employer contribution / active EE | $6,704 | $2,396+179.8% | $3,170+111.5% | $2,756+143.3% |
| Participant deferral / active EE | $4,041 | $3,986+1.4% | $5,012-19.4% | $4,297-6.0% |
| Admin fee / account holder | $942 | $8,434-88.8% | $11,039-91.5% | $6,935-86.4% |