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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 | $93,044 | $106,280-12.5% | $96,538-3.6% | $139,487-33.3% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 19.09% | 38.48%-19.4pp | 35.74%-16.6pp | 373.84%-354.7pp |
| Employer contribution / active EE | $6,202 | $4,107+51.0% | $3,740+65.8% | $4,755+30.4% |
| Participant deferral / active EE | $11,025 | $5,457+102.0% | $4,880+125.9% | $6,713+64.2% |
| Admin fee / account holder | $2,636 | $7,888-66.6% | $6,737-60.9% | $11,407-76.9% |