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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 | $104,284 | $106,247-1.8% | $96,515+8.0% | $139,466-25.2% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 18.08% | 38.47%-20.4pp | 35.73%-17.6pp | 373.66%-355.6pp |
| Employer contribution / active EE | $8,589 | $4,106+109.2% | $3,740+129.7% | $4,754+80.7% |
| Participant deferral / active EE | $8,996 | $5,456+64.9% | $4,880+84.4% | $6,712+34.0% |
| Admin fee / account holder | $2,273 | $7,885-71.2% | $6,735-66.3% | $11,409-80.1% |