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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 | $106,204 | $223,823-52.5% | $211,142-49.7% | $154,746-31.4% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 18.11% | 50.39%-32.3pp | 46.84%-28.7pp | 172.34%-154.2pp |
| Employer contribution / active EE | $11,211 | $6,787+65.2% | $6,442+74.0% | $4,379+156.0% |
| Participant deferral / active EE | $9,351 | $9,750-4.1% | $9,284+0.7% | $6,730+38.9% |
| Admin fee / account holder | $10,045 | $19,707-49.0% | $19,076-47.3% | $14,365-30.1% |