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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 | $90,599 | $127,790-29.1% | $106,555-15.0% | $167,536-45.9% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 10.69% | 33.88%-23.2pp | 26.80%-16.1pp | 478.82%-468.1pp |
| Employer contribution / active EE | $12,654 | $3,428+269.2% | $2,819+348.8% | $4,839+161.5% |
| Participant deferral / active EE | $7,199 | $5,088+41.5% | $4,399+63.7% | $6,342+13.5% |
| Admin fee / account holder | $10,989 | $11,229-2.1% | $7,408+48.3% | $12,315-10.8% |