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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 | $93,782 | $211,239-55.6% | $178,528-47.5% | $145,877-35.7% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 12.86% | 30.22%-17.4pp | 27.11%-14.3pp | 551.28%-538.4pp |
| Employer contribution / active EE | $6,179 | $4,570+35.2% | $3,950+56.4% | $4,663+32.5% |
| Participant deferral / active EE | $17,399 | $6,963+149.9% | $6,278+177.1% | $6,691+160.0% |
| Admin fee / account holder | $1,296 | $12,095-89.3% | $10,419-87.6% | $13,402-90.3% |