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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 | $61,369 | $124,346-50.6% | $111,306-44.9% | $167,553-63.4% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 16.62% | 37.46%-20.8pp | 54.67%-38.1pp | 478.89%-462.3pp |
| Employer contribution / active EE | $6,139 | $3,438+78.6% | $2,732+124.7% | $4,840+26.9% |
| Participant deferral / active EE | $12,871 | $5,182+148.4% | $4,488+186.8% | $6,343+102.9% |
| Admin fee / account holder | $13,358 | $10,623+25.7% | $7,966+67.7% | $12,316+8.5% |