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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 | $59,094 | $72,177-18.1% | $115,038-48.6% | $59,633-0.9% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | 8.37% | 12.02%-3.6pp | 26.14%-17.8pp | 2041.45%-2033.1pp |
| Employer contribution / active EE | $12,807 | $2,841+350.7% | $4,608+177.9% | $2,203+481.4% |
| Participant deferral / active EE | $9,763 | $4,783+104.1% | $6,026+62.0% | $3,192+205.9% |
| Admin fee / account holder | $7,021 | $4,927+42.5% | $8,175-14.1% | $4,297+63.4% |