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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 | $89,353 | $211,224-57.7% | $178,505-49.9% | $145,897-38.8% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 14.53% | 30.28%-15.8pp | 27.16%-12.6pp | 552.29%-537.8pp |
| Employer contribution / active EE | $3,437 | $4,577-24.9% | $3,955-13.1% | $4,663-26.3% |
| Participant deferral / active EE | $11,027 | $6,966+58.3% | $6,280+75.6% | $6,689+64.8% |
| Admin fee / account holder | $6,342 | $12,109-47.6% | $10,428-39.2% | $13,390-52.6% |