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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 | $72,478 | $110,212-34.2% | $96,534-24.9% | $139,466-48.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 14.44% | 26.42%-12.0pp | 25.88%-11.4pp | 373.66%-359.2pp |
| Employer contribution / active EE | $11,862 | $3,620+227.7% | $2,965+300.0% | $4,754+149.5% |
| Participant deferral / active EE | $3,526 | $5,547-36.4% | $4,851-27.3% | $6,712-47.5% |
| Admin fee / account holder | $10,638 | $11,599-8.3% | $8,253+28.9% | $11,409-6.8% |