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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 | $98,629 | $124,351-20.7% | $109,188-9.7% | $167,553-41.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 14.54% | 26.04%-11.5pp | 25.76%-11.2pp | 478.89%-464.4pp |
| Employer contribution / active EE | $5,243 | $4,210+24.5% | $3,723+40.8% | $4,840+8.3% |
| Participant deferral / active EE | $5,716 | $5,257+8.7% | $4,654+22.8% | $6,343-9.9% |
| Admin fee / account holder | $619 | $7,975-92.2% | $6,755-90.8% | $12,316-95.0% |