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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 | $72,364 | $66,431+8.9% | $109,916-34.2% | $85,851-15.7% |
| Participation rate | 100.0% | 63.9%+36.1pp | 74.2%+25.8pp | 69.3%+30.7pp |
| Annual return | 13.61% | 19.59%-6.0pp | 29.46%-15.9pp | 318.63%-305.0pp |
| Employer contribution / active EE | $3,628 | $1,688+114.9% | $2,844+27.6% | $2,565+41.4% |
| Participant deferral / active EE | $2,637 | $2,844-7.3% | $4,047-34.8% | $3,952-33.3% |
| Admin fee / account holder | $1,308 | $4,559-71.3% | $6,069-78.4% | $6,261-79.1% |