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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 | $106,019 | $81,233+30.5% | $155,567-31.8% | $80,874+31.1% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 13.62% | 33.33%-19.7pp | 64.74%-51.1pp | 35.62%-22.0pp |
| Employer contribution / active EE | $5,359 | $3,101+72.8% | $4,674+14.6% | $2,756+94.5% |
| Participant deferral / active EE | $4,314 | $3,452+25.0% | $5,628-23.3% | $4,297+0.4% |
| Admin fee / account holder | $2,536 | $7,998-68.3% | $15,916-84.1% | $6,935-63.4% |