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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 | $118,354 | $141,001-16.1% | $112,228+5.5% | $139,487-15.2% |
| Participation rate | 95.8% | 79.2%+16.6pp | 72.4%+23.4pp | 80.3%+15.5pp |
| Annual return | 19.47% | 32.75%-13.3pp | 30.23%-10.8pp | 373.84%-354.4pp |
| Employer contribution / active EE | $10,238 | $4,285+138.9% | $3,432+198.4% | $4,755+115.3% |
| Participant deferral / active EE | $6,307 | $5,877+7.3% | $4,800+31.4% | $6,713-6.0% |
| Admin fee / account holder | $2,787 | $9,959-72.0% | $7,752-64.0% | $11,407-75.6% |