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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 | $89,260 | $104,251-14.4% | $91,004-1.9% | $147,586-39.5% |
| Participation rate | 100.0% | 78.2%+21.8pp | 75.6%+24.4pp | 82.8%+17.2pp |
| Annual return | 12.30% | 27.06%-14.8pp | 4.60%+7.7pp | 578.59%-566.3pp |
| Employer contribution / active EE | $11,370 | $3,116+264.9% | $2,456+363.0% | $4,876+133.2% |
| Participant deferral / active EE | $8,038 | $4,195+91.6% | $3,548+126.6% | $5,439+47.8% |
| Admin fee / account holder | $2,330 | $8,948-74.0% | $5,417-57.0% | $10,886-78.6% |