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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 | $77,593 | $117,829-34.1% | $102,423-24.2% | $145,877-46.8% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 17.15% | 31.83%-14.7pp | 29.42%-12.3pp | 551.28%-534.1pp |
| Employer contribution / active EE | $8,236 | $3,615+127.9% | $3,023+172.5% | $4,663+76.6% |
| Participant deferral / active EE | $4,516 | $5,732-21.2% | $5,054-10.6% | $6,691-32.5% |
| Admin fee / account holder | $355 | $13,335-97.3% | $9,455-96.2% | $13,402-97.3% |