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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 | $83,119 | $85,060-2.3% | $70,565+17.8% | $139,487-40.4% |
| Participation rate | 100.0% | 73.9%+26.1pp | 68.4%+31.6pp | 80.3%+19.7pp |
| Annual return | 22.08% | 30.39%-8.3pp | 32.79%-10.7pp | 373.84%-351.8pp |
| Employer contribution / active EE | $7,624 | $3,912+94.9% | $2,976+156.2% | $4,755+60.3% |
| Participant deferral / active EE | $6,051 | $5,891+2.7% | $4,568+32.5% | $6,713-9.8% |
| Admin fee / account holder | $500 | $8,932-94.4% | $6,430-92.2% | $11,407-95.6% |