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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 | $93,776 | $77,638+20.8% | $156,551-40.1% | $62,881+49.1% |
| Participation rate | 100.0% | 71.2%+28.8pp | 84.0%+16.0pp | 69.3%+30.7pp |
| Annual return | 11.28% | 50.33%-39.0pp | 32.23%-20.9pp | 20.14%-8.9pp |
| Employer contribution / active EE | $10,310 | $3,444+199.4% | $5,501+87.4% | $2,281+352.0% |
| Participant deferral / active EE | $4,856 | $3,046+59.5% | $4,871-0.3% | $3,203+51.6% |
| Admin fee / account holder | $745 | $5,561-86.6% | $13,028-94.3% | $4,296-82.7% |