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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 | $169,052 | $55,930+202.3% | $76,089+122.2% | $80,925+108.9% |
| Participation rate | 100.0% | 62.1%+37.9pp | 69.1%+30.9pp | 67.7%+32.3pp |
| Annual return | 14.08% | 20.58%-6.5pp | 360.94%-346.9pp | 35.65%-21.6pp |
| Employer contribution / active EE | $4,564 | $1,866+144.6% | $2,690+69.7% | $2,756+65.6% |
| Participant deferral / active EE | $10,306 | $3,051+237.8% | $4,259+142.0% | $4,299+139.7% |
| Admin fee / account holder | $3,981 | $5,241-24.0% | $6,418-38.0% | $6,940-42.6% |