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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 | $99,162 | $106,280-6.7% | $96,538+2.7% | $139,487-28.9% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 18.49% | 38.48%-20.0pp | 35.74%-17.3pp | 373.84%-355.4pp |
| Employer contribution / active EE | $6,324 | $4,107+54.0% | $3,740+69.1% | $4,755+33.0% |
| Participant deferral / active EE | $7,783 | $5,457+42.6% | $4,880+59.5% | $6,713+16.0% |
| Admin fee / account holder | $3,829 | $7,888-51.5% | $6,737-43.2% | $11,407-66.4% |