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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 | $97,796 | $87,059+12.3% | $105,608-7.4% | $80,925+20.8% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.7%+32.3pp |
| Annual return | 15.39% | 17.05%-1.7pp | 116.50%-101.1pp | 35.65%-20.3pp |
| Employer contribution / active EE | $10,006 | $2,396+317.5% | $3,167+216.0% | $2,756+263.0% |
| Participant deferral / active EE | $12,746 | $3,986+219.8% | $5,010+154.4% | $4,299+196.5% |
| Admin fee / account holder | $10,941 | $8,443+29.6% | $11,028-0.8% | $6,940+57.6% |