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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 | $117,859-17.8% | $102,438-5.4% | $145,959-33.6% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 14.29% | 31.72%-17.4pp | 29.37%-15.1pp | 561.95%-547.7pp |
| Employer contribution / active EE | $3,531 | $3,615-2.3% | $3,024+16.8% | $4,661-24.2% |
| Participant deferral / active EE | $9,715 | $5,732+69.5% | $5,054+92.2% | $6,689+45.2% |
| Admin fee / account holder | $3,812 | $13,318-71.4% | $9,448-59.7% | $13,398-71.5% |