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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 | $97,994 | $110,240-11.1% | $96,544+1.5% | $139,487-29.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 15.71% | 26.41%-10.7pp | 25.88%-10.2pp | 373.84%-358.1pp |
| Employer contribution / active EE | $4,996 | $3,622+37.9% | $2,966+68.4% | $4,755+5.1% |
| Participant deferral / active EE | $4,526 | $5,549-18.4% | $4,851-6.7% | $6,713-32.6% |
| Admin fee / account holder | $539 | $11,602-95.4% | $8,254-93.5% | $11,407-95.3% |