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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 | $69,370 | $90,504-23.4% | $78,690-11.8% | $273,965-74.7% |
| Participation rate | 100.0% | 76.5%+23.5pp | 73.6%+26.4pp | 83.0%+17.0pp |
| Annual return | 9.27% | 75.61%-66.3pp | 62.18%-52.9pp | 41.45%-32.2pp |
| Employer contribution / active EE | $5,003 | $3,176+57.5% | $2,851+75.5% | $4,869+2.8% |
| Participant deferral / active EE | $5,112 | $3,901+31.0% | $3,517+45.3% | $5,287-3.3% |
| Admin fee / account holder | $392 | $5,263-92.6% | $4,511-91.3% | $10,132-96.1% |