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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 | $87,418 | $201,344-56.6% | $184,243-52.6% | $145,877-40.1% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 16.06% | 29.01%-13.0pp | 28.82%-12.8pp | 551.28%-535.2pp |
| Employer contribution / active EE | $4,820 | $7,022-31.4% | $6,427-25.0% | $4,663+3.4% |
| Participant deferral / active EE | $9,557 | $9,807-2.6% | $9,132+4.6% | $6,691+42.8% |
| Admin fee / account holder | $368 | $16,382-97.8% | $13,914-97.4% | $13,402-97.3% |