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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 | $79,517 | $111,535-28.7% | $105,223-24.4% | $137,256-42.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 17.62% | 237.85%-220.2pp | 180.65%-163.0pp | 220.34%-202.7pp |
| Employer contribution / active EE | $5,109 | $3,939+29.7% | $3,689+38.5% | $4,156+22.9% |
| Participant deferral / active EE | $5,564 | $5,500+1.2% | $5,072+9.7% | $6,407-13.2% |
| Admin fee / account holder | $4,721 | $9,721-51.4% | $8,859-46.7% | $12,270-61.5% |