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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 | $117,848 | $124,314-5.2% | $109,163+8.0% | $167,518-29.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 12.57% | 26.04%-13.5pp | 25.75%-13.2pp | 478.71%-466.1pp |
| Employer contribution / active EE | $14,128 | $4,209+235.7% | $3,723+279.5% | $4,838+192.0% |
| Participant deferral / active EE | $7,902 | $5,256+50.3% | $4,654+69.8% | $6,342+24.6% |
| Admin fee / account holder | $5,372 | $7,973-32.6% | $6,754-20.5% | $12,312-56.4% |