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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 | $104,602 | $124,351-15.9% | $109,188-4.2% | $167,553-37.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 12.08% | 26.04%-14.0pp | 25.76%-13.7pp | 478.89%-466.8pp |
| Employer contribution / active EE | $9,107 | $4,210+116.3% | $3,723+144.6% | $4,840+88.2% |
| Participant deferral / active EE | $7,114 | $5,257+35.3% | $4,654+52.9% | $6,343+12.2% |
| Admin fee / account holder | $5,963 | $7,975-25.2% | $6,755-11.7% | $12,316-51.6% |