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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 | $87,557 | $88,672-1.3% | $105,223-16.8% | $82,448+6.2% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 15.88% | 30.86%-15.0pp | 180.65%-164.8pp | 41.64%-25.8pp |
| Employer contribution / active EE | $10,573 | $3,048+246.9% | $3,689+186.6% | $2,551+314.5% |
| Participant deferral / active EE | $4,842 | $4,036+20.0% | $5,072-4.5% | $4,139+17.0% |
| Admin fee / account holder | $2,138 | $7,146-70.1% | $8,859-75.9% | $7,234-70.5% |