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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 | $106,054 | $77,638+36.6% | $156,551-32.3% | $62,881+68.7% |
| Participation rate | 100.0% | 71.2%+28.8pp | 84.0%+16.0pp | 69.3%+30.7pp |
| Annual return | 8.04% | 50.33%-42.3pp | 32.23%-24.2pp | 20.14%-12.1pp |
| Employer contribution / active EE | $2,400 | $3,444-30.3% | $5,501-56.4% | $2,281+5.2% |
| Participant deferral / active EE | $4,489 | $3,046+47.4% | $4,871-7.8% | $3,203+40.1% |
| Admin fee / account holder | $1,405 | $5,561-74.7% | $13,028-89.2% | $4,296-67.3% |