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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 | $94,483 | $137,414-31.2% | $189,537-50.2% | $85,847+10.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 87.8%+12.2pp | 69.3%+30.7pp |
| Annual return | 14.33% | 38.14%-23.8pp | 555.34%-541.0pp | 318.61%-304.3pp |
| Employer contribution / active EE | $10,946 | $4,344+152.0% | $6,161+77.7% | $2,565+326.7% |
| Participant deferral / active EE | $5,445 | $6,260-13.0% | $8,220-33.8% | $3,952+37.8% |
| Admin fee / account holder | $5,308 | $8,630-38.5% | $12,048-55.9% | $6,261-15.2% |