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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 | $85,024-7.5% | $70,544+11.4% | $139,466-43.6% |
| Participation rate | 100.0% | 73.9%+26.1pp | 68.4%+31.6pp | 80.3%+19.7pp |
| Annual return | 14.79% | 30.39%-15.6pp | 32.79%-18.0pp | 373.66%-358.9pp |
| Employer contribution / active EE | $4,402 | $3,912+12.5% | $2,976+47.9% | $4,754-7.4% |
| Participant deferral / active EE | $11,232 | $5,891+90.7% | $4,568+145.9% | $6,712+67.3% |
| Admin fee / account holder | $1,370 | $8,928-84.7% | $6,427-78.7% | $11,409-88.0% |