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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 | $115,443 | $211,224-45.3% | $178,505-35.3% | $145,897-20.9% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 21.72% | 30.28%-8.6pp | 27.16%-5.4pp | 552.29%-530.6pp |
| Employer contribution / active EE | $7,077 | $4,577+54.6% | $3,955+78.9% | $4,663+51.8% |
| Participant deferral / active EE | $8,460 | $6,966+21.4% | $6,280+34.7% | $6,689+26.5% |
| Admin fee / account holder | $626 | $12,109-94.8% | $10,428-94.0% | $13,390-95.3% |