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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 | $82,735 | $91,198-9.3% | $178,503-53.7% | $79,856+3.6% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 13.28% | 24.20%-10.9pp | 151.12%-137.8pp | 31.71%-18.4pp |
| Employer contribution / active EE | $4,473 | $3,257+37.3% | $5,011-10.7% | $2,471+81.0% |
| Participant deferral / active EE | $3,368 | $3,237+4.1% | $5,202-35.3% | $3,741-10.0% |
| Admin fee / account holder | $872 | $6,748-87.1% | $13,987-93.8% | $5,306-83.6% |