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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 | $97,572 | $124,351-21.5% | $109,188-10.6% | $167,553-41.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 12.11% | 26.04%-13.9pp | 25.76%-13.6pp | 478.89%-466.8pp |
| Employer contribution / active EE | $5,081 | $4,210+20.7% | $3,723+36.5% | $4,840+5.0% |
| Participant deferral / active EE | $12,227 | $5,257+132.6% | $4,654+162.7% | $6,343+92.8% |
| Admin fee / account holder | $798 | $7,975-90.0% | $6,755-88.2% | $12,316-93.5% |