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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 | $95,337 | $104,251-8.6% | $91,004+4.8% | $147,586-35.4% |
| Participation rate | 100.0% | 78.2%+21.8pp | 75.6%+24.4pp | 82.8%+17.2pp |
| Annual return | 15.97% | 27.06%-11.1pp | 4.60%+11.4pp | 578.59%-562.6pp |
| Employer contribution / active EE | $5,799 | $3,116+86.1% | $2,456+136.1% | $4,876+18.9% |
| Participant deferral / active EE | $6,178 | $4,195+47.3% | $3,548+74.2% | $5,439+13.6% |
| Admin fee / account holder | $3,136 | $8,948-65.0% | $5,417-42.1% | $10,886-71.2% |