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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 | $76,098 | $127,790-40.5% | $106,555-28.6% | $167,536-54.6% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 12.19% | 33.88%-21.7pp | 26.80%-14.6pp | 478.82%-466.6pp |
| Employer contribution / active EE | $4,089 | $3,428+19.3% | $2,819+45.0% | $4,839-15.5% |
| Participant deferral / active EE | $7,987 | $5,088+57.0% | $4,399+81.6% | $6,342+25.9% |
| Admin fee / account holder | $7,234 | $11,229-35.6% | $7,408-2.4% | $12,315-41.3% |