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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 | $114,240 | $76,407+49.5% | $150,298-24.0% | $82,448+38.6% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 13.85% | 39.99%-26.1pp | 62.79%-48.9pp | 41.64%-27.8pp |
| Employer contribution / active EE | $2,002 | $2,614-23.4% | $4,154-51.8% | $2,551-21.5% |
| Participant deferral / active EE | $5,479 | $3,214+70.5% | $5,453+0.5% | $4,139+32.4% |
| Admin fee / account holder | $7,031 | $6,352+10.7% | $14,116-50.2% | $7,234-2.8% |