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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 | $116,222 | $75,962+53.0% | $154,108-24.6% | $64,173+81.1% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | 7.36% | 30.32%-23.0pp | 735.21%-727.8pp | 7.63%-0.3pp |
| Employer contribution / active EE | $4,601 | $3,350+37.4% | $5,298-13.1% | $2,381+93.3% |
| Participant deferral / active EE | $3,373 | $3,175+6.3% | $5,081-33.6% | $3,470-2.8% |
| Admin fee / account holder | $3,573 | $5,589-36.1% | $13,411-73.4% | $4,887-26.9% |