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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 | $96,153 | $100,901-4.7% | $75,501+27.4% | $147,586-34.8% |
| Participation rate | 100.0% | 77.1%+22.9pp | 72.4%+27.6pp | 82.8%+17.2pp |
| Annual return | 15.90% | 35.78%-19.9pp | 27.35%-11.5pp | 578.59%-562.7pp |
| Employer contribution / active EE | $5,812 | $3,253+78.6% | $2,352+147.1% | $4,876+19.2% |
| Participant deferral / active EE | $6,930 | $4,027+72.1% | $3,142+120.5% | $5,439+27.4% |
| Admin fee / account holder | $495 | $11,285-95.6% | $5,801-91.5% | $10,886-95.5% |