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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 | $82,072 | $118,496-30.7% | $98,461-16.6% | $139,466-41.2% |
| Participation rate | 100.0% | 77.5%+22.5pp | 75.2%+24.8pp | 80.3%+19.7pp |
| Annual return | 12.26% | 18.96%-6.7pp | 21.17%-8.9pp | 373.66%-361.4pp |
| Employer contribution / active EE | $8,213 | $3,611+127.5% | $3,049+169.4% | $4,754+72.8% |
| Participant deferral / active EE | $8,833 | $5,393+63.8% | $4,738+86.4% | $6,712+31.6% |
| Admin fee / account holder | $529 | $14,056-96.2% | $8,961-94.1% | $11,409-95.4% |