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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 | $108,546 | $98,776+9.9% | $149,745-27.5% | $79,856+35.9% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 17.63% | 27.38%-9.7pp | 276.72%-259.1pp | 31.71%-14.1pp |
| Employer contribution / active EE | $5,540 | $3,217+72.2% | $4,646+19.3% | $2,471+124.2% |
| Participant deferral / active EE | $11,630 | $5,681+104.7% | $6,843+70.0% | $3,741+210.9% |
| Admin fee / account holder | $3,326 | $6,053-45.0% | $9,312-64.3% | $5,306-37.3% |