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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 | $83,263 | $115,903-28.2% | $100,528-17.2% | $158,966-47.6% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 15.11% | 34.80%-19.7pp | 30.90%-15.8pp | 302.95%-287.8pp |
| Employer contribution / active EE | $4,497 | $4,105+9.5% | $3,419+31.5% | $4,762-5.6% |
| Participant deferral / active EE | $10,118 | $6,677+51.5% | $6,271+61.3% | $5,983+69.1% |
| Admin fee / account holder | $494 | $11,000-95.5% | $8,084-93.9% | $11,250-95.6% |