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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 | $60,903 | $84,236-27.7% | $170,435-64.3% | $70,126-13.2% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 18.56% | 23.06%-4.5pp | 205.94%-187.4pp | 73.15%-54.6pp |
| Employer contribution / active EE | $5,403 | $3,387+59.5% | $5,432-0.5% | $2,343+130.6% |
| Participant deferral / active EE | $4,953 | $3,086+60.5% | $4,939+0.3% | $3,332+48.7% |
| Admin fee / account holder | $1,075 | $5,698-81.1% | $13,881-92.3% | $4,645-76.9% |