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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 | $97,609 | $106,280-8.2% | $96,538+1.1% | $139,487-30.0% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 12.57% | 38.48%-25.9pp | 35.74%-23.2pp | 373.84%-361.3pp |
| Employer contribution / active EE | $12,271 | $4,107+198.8% | $3,740+228.1% | $4,755+158.1% |
| Participant deferral / active EE | $6,925 | $5,457+26.9% | $4,880+41.9% | $6,713+3.2% |
| Admin fee / account holder | $3,322 | $7,888-57.9% | $6,737-50.7% | $11,407-70.9% |