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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 | $84,885 | $98,776-14.1% | $149,745-43.3% | $79,856+6.3% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 20.39% | 27.38%-7.0pp | 276.72%-256.3pp | 31.71%-11.3pp |
| Employer contribution / active EE | $5,264 | $3,217+63.6% | $4,646+13.3% | $2,471+113.0% |
| Participant deferral / active EE | $3,950 | $5,681-30.5% | $6,843-42.3% | $3,741+5.6% |
| Admin fee / account holder | $795 | $6,053-86.9% | $9,312-91.5% | $5,306-85.0% |