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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 | $70,534 | $97,125-27.4% | $86,233-18.2% | $137,256-48.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 18.59% | 74.19%-55.6pp | 61.39%-42.8pp | 220.34%-201.8pp |
| Employer contribution / active EE | $3,240 | $2,841+14.0% | $2,504+29.4% | $4,156-22.0% |
| Participant deferral / active EE | $11,102 | $5,180+114.3% | $4,559+143.5% | $6,407+73.3% |
| Admin fee / account holder | $5,527 | $9,725-43.2% | $8,342-33.7% | $12,270-55.0% |