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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 | $85,048 | $91,037-6.6% | $71,671+18.7% | $147,586-42.4% |
| Participation rate | 100.0% | 76.1%+23.9pp | 68.7%+31.3pp | 82.8%+17.2pp |
| Annual return | 16.95% | 20.48%-3.5pp | 20.65%-3.7pp | 578.59%-561.6pp |
| Employer contribution / active EE | $5,495 | $3,327+65.2% | $2,460+123.4% | $4,876+12.7% |
| Participant deferral / active EE | $8,168 | $4,498+81.6% | $3,438+137.6% | $5,439+50.2% |
| Admin fee / account holder | $713 | $8,613-91.7% | $5,558-87.2% | $10,886-93.4% |