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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 | $76,703 | $103,393-25.8% | $87,103-11.9% | $152,909-49.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 16.81% | 28.10%-11.3pp | 28.19%-11.4pp | 345.46%-328.7pp |
| Employer contribution / active EE | $7,388 | $3,221+129.4% | $2,521+193.0% | $4,764+55.1% |
| Participant deferral / active EE | $10,000 | $4,778+109.3% | $4,049+147.0% | $5,851+70.9% |
| Admin fee / account holder | $496 | $12,195-95.9% | $7,491-93.4% | $11,601-95.7% |