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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 | $98,913 | $110,307-10.3% | $96,576+2.4% | $139,456-29.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 12.35% | 26.40%-14.0pp | 25.87%-13.5pp | 373.45%-361.1pp |
| Employer contribution / active EE | $5,902 | $3,619+63.1% | $2,965+99.1% | $4,753+24.2% |
| Participant deferral / active EE | $4,490 | $5,547-19.1% | $4,851-7.4% | $6,711-33.1% |
| Admin fee / account holder | $4,598 | $11,597-60.3% | $8,253-44.3% | $11,407-59.7% |