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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 | $99,828 | $172,111-42.0% | $150,298-33.6% | $137,256-27.3% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 16.06% | 69.37%-53.3pp | 62.79%-46.7pp | 220.34%-204.3pp |
| Employer contribution / active EE | $2,930 | $4,636-36.8% | $4,154-29.5% | $4,156-29.5% |
| Participant deferral / active EE | $13,247 | $6,166+114.8% | $5,453+142.9% | $6,407+106.8% |
| Admin fee / account holder | $10,932 | $16,471-33.6% | $14,116-22.6% | $12,270-10.9% |