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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 | $110,089 | $117,895-6.6% | $102,460+7.4% | $145,897-24.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.27% | 31.92%-19.7pp | 29.47%-17.2pp | 552.29%-540.0pp |
| Employer contribution / active EE | $5,684 | $3,619+57.1% | $3,025+87.9% | $4,663+21.9% |
| Participant deferral / active EE | $11,145 | $5,736+94.3% | $5,056+120.4% | $6,689+66.6% |
| Admin fee / account holder | $4,170 | $13,353-68.8% | $9,460-55.9% | $13,390-68.9% |