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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 | $104,427 | $110,410-5.4% | $102,437+1.9% | $145,897-28.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 16.28% | 24.85%-8.6pp | 24.95%-8.7pp | 552.29%-536.0pp |
| Employer contribution / active EE | $1,405 | $4,217-66.7% | $3,871-63.7% | $4,663-69.9% |
| Participant deferral / active EE | $11,577 | $5,622+105.9% | $5,060+128.8% | $6,689+73.1% |
| Admin fee / account holder | $732 | $9,745-92.5% | $8,388-91.3% | $13,390-94.5% |