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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 | $98,126 | $106,280-7.7% | $96,538+1.6% | $139,487-29.7% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 15.05% | 38.48%-23.4pp | 35.74%-20.7pp | 373.84%-358.8pp |
| Employer contribution / active EE | $8,828 | $4,107+114.9% | $3,740+136.0% | $4,755+85.7% |
| Participant deferral / active EE | $6,368 | $5,457+16.7% | $4,880+30.5% | $6,713-5.1% |
| Admin fee / account holder | $506 | $7,888-93.6% | $6,737-92.5% | $11,407-95.6% |