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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 | $106,885 | $141,004-24.2% | $112,273-4.8% | $139,466-23.4% |
| Participation rate | 100.0% | 79.2%+20.8pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 16.37% | 32.75%-16.4pp | 30.23%-13.9pp | 373.66%-357.3pp |
| Employer contribution / active EE | $7,976 | $4,285+86.1% | $3,431+132.4% | $4,754+67.8% |
| Participant deferral / active EE | $7,694 | $5,878+30.9% | $4,800+60.3% | $6,712+14.6% |
| Admin fee / account holder | $612 | $9,959-93.9% | $7,752-92.1% | $11,409-94.6% |