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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 | $91,693 | $185,905-50.7% | $170,057-46.1% | $139,487-34.3% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 16.00% | 60.56%-44.6pp | 53.42%-37.4pp | 373.84%-357.8pp |
| Employer contribution / active EE | $5,161 | $7,597-32.1% | $6,790-24.0% | $4,755+8.6% |
| Participant deferral / active EE | $8,844 | $11,627-23.9% | $10,411-15.0% | $6,713+31.8% |
| Admin fee / account holder | $3,616 | $15,397-76.5% | $12,826-71.8% | $11,407-68.3% |