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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 | $94,086 | $101,778-7.6% | $164,975-43.0% | $80,925+16.3% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 40.93% | 16.73%+24.2pp | 70.12%-29.2pp | 35.65%+5.3pp |
| Employer contribution / active EE | $4,126 | $2,954+39.7% | $4,343-5.0% | $2,756+49.7% |
| Participant deferral / active EE | $11,966 | $4,477+167.3% | $6,033+98.3% | $4,299+178.4% |
| Admin fee / account holder | $2,632 | $8,221-68.0% | $12,688-79.3% | $6,940-62.1% |