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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 | $94,207 | $124,351-24.2% | $109,188-13.7% | $167,553-43.8% |
| Participation rate | 94.4% | 79.4%+15.0pp | 75.9%+18.6pp | 82.1%+12.3pp |
| Annual return | 11.81% | 26.04%-14.2pp | 25.76%-13.9pp | 478.89%-467.1pp |
| Employer contribution / active EE | $11,111 | $4,210+163.9% | $3,723+198.4% | $4,840+129.6% |
| Participant deferral / active EE | $6,266 | $5,257+19.2% | $4,654+34.6% | $6,343-1.2% |
| Admin fee / account holder | $4,210 | $7,975-47.2% | $6,755-37.7% | $12,316-65.8% |