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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 | $108,750 | $124,351-12.5% | $109,188-0.4% | $167,553-35.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 15.91% | 26.04%-10.1pp | 25.76%-9.8pp | 478.89%-463.0pp |
| Employer contribution / active EE | $4,467 | $4,210+6.1% | $3,723+20.0% | $4,840-7.7% |
| Participant deferral / active EE | $1,606 | $5,257-69.4% | $4,654-65.5% | $6,343-74.7% |
| Admin fee / account holder | $542 | $7,975-93.2% | $6,755-92.0% | $12,316-95.6% |