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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 | $50,111 | $54,763-8.5% | $90,324-44.5% | $72,976-31.3% |
| Participation rate | 100.0% | 65.2%+34.8pp | 73.3%+26.7pp | 69.5%+30.5pp |
| Annual return | 18.42% | 30.63%-12.2pp | 78.15%-59.7pp | 81.02%-62.6pp |
| Employer contribution / active EE | $5,342 | $2,093+155.2% | $2,856+87.1% | $2,440+118.9% |
| Participant deferral / active EE | $5,295 | $2,887+83.4% | $3,885+36.3% | $3,608+46.8% |
| Admin fee / account holder | $3,397 | $3,973-14.5% | $5,356-36.6% | $5,124-33.7% |