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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 | $96,619 | $106,280-9.1% | $96,538+0.1% | $139,487-30.7% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 15.78% | 38.48%-22.7pp | 35.74%-20.0pp | 373.84%-358.1pp |
| Employer contribution / active EE | $16,135 | $4,107+292.9% | $3,740+331.4% | $4,755+239.4% |
| Participant deferral / active EE | $4,958 | $5,457-9.1% | $4,880+1.6% | $6,713-26.1% |
| Admin fee / account holder | $5,488 | $7,888-30.4% | $6,737-18.5% | $11,407-51.9% |