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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 | $96,049 | $116,203-17.3% | $93,621+2.6% | $152,909-37.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 19.03% | 35.96%-16.9pp | 32.76%-13.7pp | 345.46%-326.4pp |
| Employer contribution / active EE | $7,776 | $3,219+141.6% | $2,719+186.0% | $4,764+63.2% |
| Participant deferral / active EE | $5,363 | $4,605+16.5% | $4,070+31.8% | $5,851-8.3% |
| Admin fee / account holder | $6,085 | $10,751-43.4% | $7,890-22.9% | $11,601-47.5% |