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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 | $69,547 | $84,236-17.4% | $170,435-59.2% | $70,126-0.8% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 16.80% | 23.06%-6.3pp | 205.94%-189.1pp | 73.15%-56.3pp |
| Employer contribution / active EE | $5,559 | $3,387+64.1% | $5,432+2.3% | $2,343+137.3% |
| Participant deferral / active EE | $2,778 | $3,086-10.0% | $4,939-43.8% | $3,332-16.6% |
| Admin fee / account holder | $3,290 | $5,698-42.3% | $13,881-76.3% | $4,645-29.2% |