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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 | $86,414 | $91,167-5.2% | $178,498-51.6% | $79,858+8.2% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 18.32% | 24.19%-5.9pp | 151.09%-132.8pp | 31.72%-13.4pp |
| Employer contribution / active EE | $7,744 | $3,255+137.9% | $5,011+54.5% | $2,471+213.4% |
| Participant deferral / active EE | $6,101 | $3,236+88.6% | $5,202+17.3% | $3,740+63.1% |
| Admin fee / account holder | $1,257 | $6,747-81.4% | $13,985-91.0% | $5,306-76.3% |