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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 | $111,771 | $162,821-31.4% | $133,978-16.6% | $158,982-29.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 17.79% | 41.95%-24.2pp | 45.10%-27.3pp | 302.99%-285.2pp |
| Employer contribution / active EE | $13,012 | $4,976+161.5% | $3,919+232.0% | $4,763+173.2% |
| Participant deferral / active EE | $5,706 | $5,910-3.5% | $5,047+13.0% | $5,983-4.6% |
| Admin fee / account holder | $308 | $11,742-97.4% | $8,930-96.6% | $11,252-97.3% |