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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 | $78,615 | $85,060-7.6% | $70,548+11.4% | $139,456-43.6% |
| Participation rate | 100.0% | 73.9%+26.1pp | 68.3%+31.7pp | 80.3%+19.7pp |
| Annual return | 14.79% | 30.38%-15.6pp | 32.78%-18.0pp | 373.45%-358.7pp |
| Employer contribution / active EE | $4,402 | $3,911+12.5% | $2,975+48.0% | $4,753-7.4% |
| Participant deferral / active EE | $11,232 | $5,890+90.7% | $4,567+145.9% | $6,711+67.4% |
| Admin fee / account holder | $1,370 | $8,925-84.7% | $6,424-78.7% | $11,407-88.0% |