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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 | $53,764 | $77,908-31.0% | $149,696-64.1% | $75,173-28.5% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 15.53% | 31.73%-16.2pp | 134.46%-118.9pp | 160.72%-145.2pp |
| Employer contribution / active EE | $5,816 | $3,138+85.3% | $4,821+20.6% | $2,671+117.7% |
| Participant deferral / active EE | $4,117 | $3,411+20.7% | $5,682-27.5% | $4,126-0.2% |
| Admin fee / account holder | $7,129 | $5,950+19.8% | $13,212-46.0% | $5,651+26.2% |