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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 | $117,859 | $98,766+19.3% | $149,730-21.3% | $79,852+47.6% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 18.68% | 27.43%-8.7pp | 276.70%-258.0pp | 31.72%-13.0pp |
| Employer contribution / active EE | $4,327 | $3,217+34.5% | $4,645-6.8% | $2,471+75.1% |
| Participant deferral / active EE | $8,397 | $5,681+47.8% | $6,843+22.7% | $3,740+124.5% |
| Admin fee / account holder | $1,044 | $6,052-82.7% | $9,310-88.8% | $5,306-80.3% |