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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 | $97,732 | $106,749-8.4% | $145,433-32.8% | $82,448+18.5% |
| Participation rate | 100.0% | 75.6%+24.4pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 31.45% | 27.59%+3.9pp | 66.58%-35.1pp | 41.64%-10.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $21,175 | $6,519+224.8% | $7,897+168.1% | $4,139+411.6% |
| Admin fee / account holder | $9,078 | $8,390+8.2% | $13,129-30.9% | $7,234+25.5% |