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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 | $75,828 | $78,707-3.7% | $117,861-35.7% | $70,126+8.1% |
| Participation rate | 100.0% | 73.2%+26.8pp | 79.7%+20.3pp | 69.5%+30.5pp |
| Annual return | 18.49% | 23.30%-4.8pp | 335.11%-316.6pp | 73.15%-54.7pp |
| Employer contribution / active EE | $5,573 | $2,223+150.6% | $3,786+47.2% | $2,343+137.9% |
| Participant deferral / active EE | $4,922 | $3,297+49.3% | $4,482+9.8% | $3,332+47.7% |
| Admin fee / account holder | $3,442 | $5,066-32.1% | $8,021-57.1% | $4,645-25.9% |