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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 | $105,303 | $124,314-15.3% | $109,163-3.5% | $167,518-37.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 12.02% | 26.04%-14.0pp | 25.75%-13.7pp | 478.71%-466.7pp |
| Employer contribution / active EE | $13,846 | $4,209+229.0% | $3,723+272.0% | $4,838+186.2% |
| Participant deferral / active EE | $8,608 | $5,256+63.8% | $4,654+85.0% | $6,342+35.7% |
| Admin fee / account holder | $5,150 | $7,973-35.4% | $6,754-23.7% | $12,312-58.2% |