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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 | $163,620 | $76,407+114.1% | $150,298+8.9% | $82,448+98.5% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 16.69% | 39.99%-23.3pp | 62.79%-46.1pp | 41.64%-24.9pp |
| Employer contribution / active EE | $1,370 | $2,614-47.6% | $4,154-67.0% | $2,551-46.3% |
| Participant deferral / active EE | $6,143 | $3,214+91.1% | $5,453+12.7% | $4,139+48.4% |
| Admin fee / account holder | $347 | $6,352-94.5% | $14,116-97.5% | $7,234-95.2% |