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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 | $108,834 | $96,524+12.8% | $75,900+43.4% | $152,909-28.8% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 35.04% | 33.93%+1.1pp | 30.73%+4.3pp | 345.46%-310.4pp |
| Employer contribution / active EE | $1,681 | $3,311-49.2% | $2,501-32.8% | $4,764-64.7% |
| Participant deferral / active EE | $14,782 | $4,554+224.6% | $3,604+310.2% | $5,851+152.6% |
| Admin fee / account holder | $916 | $8,082-88.7% | $5,421-83.1% | $11,601-92.1% |