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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 | $67,076 | $110,303-39.2% | $95,759-30.0% | $139,487-51.9% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 13.88% | 27.19%-13.3pp | 28.42%-14.5pp | 373.84%-360.0pp |
| Employer contribution / active EE | $12,000 | $3,261+268.0% | $2,836+323.1% | $4,755+152.4% |
| Participant deferral / active EE | $10,064 | $4,674+115.3% | $4,244+137.2% | $6,713+49.9% |
| Admin fee / account holder | $681 | $6,615-89.7% | $5,678-88.0% | $11,407-94.0% |