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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 | $107,189 | $77,920+37.6% | $149,723-28.4% | $75,177+42.6% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 21.10% | 31.72%-10.6pp | 134.50%-113.4pp | 160.75%-139.6pp |
| Employer contribution / active EE | $3,533 | $3,138+12.6% | $4,821-26.7% | $2,671+32.3% |
| Participant deferral / active EE | $6,774 | $3,411+98.6% | $5,682+19.2% | $4,126+64.2% |
| Admin fee / account holder | $822 | $5,951-86.2% | $13,215-93.8% | $5,651-85.5% |