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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 | $96,926 | $117,829-17.7% | $102,423-5.4% | $145,877-33.6% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 14.29% | 31.83%-17.5pp | 29.42%-15.1pp | 551.28%-537.0pp |
| Employer contribution / active EE | $3,531 | $3,615-2.3% | $3,023+16.8% | $4,663-24.3% |
| Participant deferral / active EE | $9,715 | $5,732+69.5% | $5,054+92.2% | $6,691+45.2% |
| Admin fee / account holder | $3,812 | $13,335-71.4% | $9,455-59.7% | $13,402-71.6% |