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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 | $90,059 | $81,233+10.9% | $155,567-42.1% | $80,874+11.4% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 15.00% | 33.33%-18.3pp | 64.74%-49.7pp | 35.62%-20.6pp |
| Employer contribution / active EE | $2,582 | $3,101-16.7% | $4,674-44.8% | $2,756-6.3% |
| Participant deferral / active EE | $6,235 | $3,452+80.6% | $5,628+10.8% | $4,297+45.1% |
| Admin fee / account holder | $9,162 | $7,998+14.6% | $15,916-42.4% | $6,935+32.1% |