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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 | $110,602 | $98,766+12.0% | $149,730-26.1% | $79,852+38.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 13.27% | 27.43%-14.2pp | 276.70%-263.4pp | 31.72%-18.5pp |
| Employer contribution / active EE | $4,347 | $3,217+35.1% | $4,645-6.4% | $2,471+75.9% |
| Participant deferral / active EE | $6,873 | $5,681+21.0% | $6,843+0.4% | $3,740+83.8% |
| Admin fee / account holder | $560 | $6,052-90.7% | $9,310-94.0% | $5,306-89.4% |