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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 | $96,770 | $91,179+6.1% | $178,499-45.8% | $79,852+21.2% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 17.62% | 24.19%-6.6pp | 151.10%-133.5pp | 31.72%-14.1pp |
| Employer contribution / active EE | $5,617 | $3,256+72.5% | $5,011+12.1% | $2,471+127.3% |
| Participant deferral / active EE | $4,203 | $3,236+29.9% | $5,202-19.2% | $3,740+12.4% |
| Admin fee / account holder | $6,058 | $6,749-10.2% | $13,986-56.7% | $5,306+14.2% |