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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 | $67,504 | $176,794-61.8% | $146,647-54.0% | $167,553-59.7% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 12.87% | 24.04%-11.2pp | 22.75%-9.9pp | 478.89%-466.0pp |
| Employer contribution / active EE | $4,545 | $5,161-11.9% | $4,137+9.9% | $4,840-6.1% |
| Participant deferral / active EE | $2,540 | $6,440-60.6% | $5,506-53.9% | $6,343-59.9% |
| Admin fee / account holder | $1,544 | $13,262-88.4% | $10,281-85.0% | $12,316-87.5% |