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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 | $105,422 | $77,638+35.8% | $156,551-32.7% | $62,881+67.7% |
| Participation rate | 100.0% | 71.2%+28.8pp | 84.0%+16.0pp | 69.3%+30.7pp |
| Annual return | 7.73% | 50.33%-42.6pp | 32.23%-24.5pp | 20.14%-12.4pp |
| Employer contribution / active EE | $4,364 | $3,444+26.7% | $5,501-20.7% | $2,281+91.3% |
| Participant deferral / active EE | $4,942 | $3,046+62.3% | $4,871+1.5% | $3,203+54.3% |
| Admin fee / account holder | $1,537 | $5,561-72.4% | $13,028-88.2% | $4,296-64.2% |