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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 | $116,458 | $62,672+85.8% | $185,117-37.1% | $70,126+66.1% |
| Participation rate | 100.0% | 63.8%+36.2pp | 77.3%+22.7pp | 69.5%+30.5pp |
| Annual return | 19.88% | 40.79%-20.9pp | 40.50%-20.6pp | 73.15%-53.3pp |
| Employer contribution / active EE | $10,336 | $1,753+489.6% | $4,182+147.2% | $2,343+341.2% |
| Participant deferral / active EE | $7,866 | $3,272+140.4% | $5,045+55.9% | $3,332+136.1% |
| Admin fee / account holder | $2,407 | $3,932-38.8% | $8,159-70.5% | $4,645-48.2% |