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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 | $72,551 | $77,419-6.3% | $69,461+4.4% | $152,870-52.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 74.6%+25.4pp | 82.4%+17.6pp |
| Annual return | 18.81% | 39.07%-20.3pp | 28.97%-10.2pp | 345.34%-326.5pp |
| Employer contribution / active EE | $2,930 | $3,315-11.6% | $2,779+5.4% | $4,763-38.5% |
| Participant deferral / active EE | $10,104 | $4,414+128.9% | $3,536+185.8% | $5,850+72.7% |
| Admin fee / account holder | $5,166 | $6,207-16.8% | $3,840+34.5% | $11,597-55.5% |