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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 | $105,227 | $180,028-41.5% | $138,135-23.8% | $158,966-33.8% |
| Participation rate | 100.0% | 82.2%+17.8pp | 78.7%+21.3pp | 82.0%+18.0pp |
| Annual return | 16.94% | 21.68%-4.7pp | 20.51%-3.6pp | 302.95%-286.0pp |
| Employer contribution / active EE | $8,016 | $7,470+7.3% | $5,587+43.5% | $4,762+68.3% |
| Participant deferral / active EE | $5,376 | $7,717-30.3% | $6,431-16.4% | $5,983-10.2% |
| Admin fee / account holder | $5,063 | $17,912-71.7% | $11,856-57.3% | $11,250-55.0% |