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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 | $94,962 | $91,037+4.3% | $71,671+32.5% | $147,586-35.7% |
| Participation rate | 100.0% | 76.1%+23.9pp | 68.7%+31.3pp | 82.8%+17.2pp |
| Annual return | 16.81% | 20.48%-3.7pp | 20.65%-3.8pp | 578.59%-561.8pp |
| Employer contribution / active EE | $3,584 | $3,327+7.7% | $2,460+45.7% | $4,876-26.5% |
| Participant deferral / active EE | $10,432 | $4,498+131.9% | $3,438+203.4% | $5,439+91.8% |
| Admin fee / account holder | $411 | $8,613-95.2% | $5,558-92.6% | $10,886-96.2% |