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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 | $77,726 | $176,786-56.0% | $146,643-47.0% | $167,536-53.6% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 14.43% | 24.04%-9.6pp | 22.75%-8.3pp | 478.82%-464.4pp |
| Employer contribution / active EE | $10,381 | $5,161+101.1% | $4,137+150.9% | $4,839+114.5% |
| Participant deferral / active EE | $4,194 | $6,440-34.9% | $5,506-23.8% | $6,342-33.9% |
| Admin fee / account holder | $358 | $13,262-97.3% | $10,280-96.5% | $12,315-97.1% |