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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 | $90,440 | $91,198-0.8% | $178,503-49.3% | $79,856+13.3% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 25.16% | 24.20%+1.0pp | 151.12%-126.0pp | 31.71%-6.6pp |
| Employer contribution / active EE | $4,647 | $3,257+42.7% | $5,011-7.3% | $2,471+88.1% |
| Participant deferral / active EE | $2,701 | $3,237-16.5% | $5,202-48.1% | $3,741-27.8% |
| Admin fee / account holder | $2,582 | $6,748-61.7% | $13,987-81.5% | $5,306-51.3% |