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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 | $147,502 | $81,276+81.5% | $155,574-5.2% | $80,925+82.3% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 13.66% | 33.36%-19.7pp | 64.87%-51.2pp | 35.65%-22.0pp |
| Employer contribution / active EE | $6,353 | $3,103+104.7% | $4,676+35.9% | $2,756+130.5% |
| Participant deferral / active EE | $6,118 | $3,453+77.2% | $5,629+8.7% | $4,299+42.3% |
| Admin fee / account holder | $935 | $7,993-88.3% | $15,914-94.1% | $6,940-86.5% |