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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 | $126,225 | $91,194+38.4% | $178,486-29.3% | $79,860+58.1% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 12.44% | 24.19%-11.7pp | 151.08%-138.6pp | 31.72%-19.3pp |
| Employer contribution / active EE | $3,396 | $3,256+4.3% | $5,011-32.2% | $2,471+37.4% |
| Participant deferral / active EE | $3,309 | $3,236+2.2% | $5,202-36.4% | $3,740-11.5% |
| Admin fee / account holder | $438 | $6,751-93.5% | $13,985-96.9% | $5,306-91.7% |