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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 | $54,972 | $111,814-50.8% | $103,374-46.8% | $145,959-62.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 9.99% | 24.77%-14.8pp | 24.89%-14.9pp | 561.95%-552.0pp |
| Employer contribution / active EE | $10,048 | $4,214+138.5% | $3,869+159.7% | $4,661+115.6% |
| Participant deferral / active EE | $6,847 | $5,618+21.9% | $5,058+35.4% | $6,689+2.4% |
| Admin fee / account holder | $12,255 | $9,754+25.6% | $8,394+46.0% | $13,398-8.5% |