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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 | $63,577 | $117,829-46.0% | $102,423-37.9% | $145,877-56.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.38% | 31.83%-19.5pp | 29.42%-17.0pp | 551.28%-538.9pp |
| Employer contribution / active EE | $15,000 | $3,615+315.0% | $3,023+396.2% | $4,663+221.7% |
| Participant deferral / active EE | $4,900 | $5,732-14.5% | $5,054-3.1% | $6,691-26.8% |
| Admin fee / account holder | $494 | $13,335-96.3% | $9,455-94.8% | $13,402-96.3% |