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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 | $86,038 | $124,330-30.8% | $109,173-21.2% | $167,536-48.6% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 10.37% | 26.04%-15.7pp | 25.75%-15.4pp | 478.82%-468.4pp |
| Employer contribution / active EE | $6,250 | $4,209+48.5% | $3,723+67.9% | $4,839+29.2% |
| Participant deferral / active EE | $5,615 | $5,256+6.8% | $4,654+20.7% | $6,342-11.5% |
| Admin fee / account holder | $1,066 | $7,974-86.6% | $6,755-84.2% | $12,315-91.3% |