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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 | $65,069 | $87,060-25.3% | $105,591-38.4% | $80,911-19.6% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.6%+32.4pp |
| Annual return | 14.49% | 17.05%-2.6pp | 116.43%-101.9pp | 35.63%-21.1pp |
| Employer contribution / active EE | $6,234 | $2,396+160.2% | $3,166+96.9% | $2,756+126.2% |
| Participant deferral / active EE | $3,591 | $3,986-9.9% | $5,008-28.3% | $4,297-16.4% |
| Admin fee / account holder | $2,868 | $8,442-66.0% | $11,024-74.0% | $6,935-58.6% |