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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 | $104,454 | $84,236+24.0% | $170,435-38.7% | $70,126+49.0% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 14.55% | 23.06%-8.5pp | 205.94%-191.4pp | 73.15%-58.6pp |
| Employer contribution / active EE | $3,905 | $3,387+15.3% | $5,432-28.1% | $2,343+66.7% |
| Participant deferral / active EE | $5,143 | $3,086+66.7% | $4,939+4.1% | $3,332+54.3% |
| Admin fee / account holder | $30,254 | $5,698+430.9% | $13,881+118.0% | $4,645+551.3% |