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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 | $91,246 | $106,247-14.1% | $96,515-5.5% | $139,466-34.6% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 14.17% | 38.47%-24.3pp | 35.73%-21.6pp | 373.66%-359.5pp |
| Employer contribution / active EE | $10,805 | $4,106+163.2% | $3,740+188.9% | $4,754+127.3% |
| Participant deferral / active EE | $12,329 | $5,456+126.0% | $4,880+152.7% | $6,712+83.7% |
| Admin fee / account holder | $4,815 | $7,885-38.9% | $6,735-28.5% | $11,409-57.8% |