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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 | $108,338 | $98,776+9.7% | $149,745-27.7% | $79,856+35.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 16.47% | 27.38%-10.9pp | 276.72%-260.2pp | 31.71%-15.2pp |
| Employer contribution / active EE | $12,091 | $3,217+275.8% | $4,646+160.3% | $2,471+389.3% |
| Participant deferral / active EE | $10,725 | $5,681+88.8% | $6,843+56.7% | $3,741+186.7% |
| Admin fee / account holder | $1,099 | $6,053-81.8% | $9,312-88.2% | $5,306-79.3% |