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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 | $72,217 | $201,372-64.1% | $184,260-60.8% | $145,884-50.5% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 14.29% | 29.04%-14.8pp | 28.84%-14.6pp | 551.85%-537.6pp |
| Employer contribution / active EE | $4,302 | $7,024-38.7% | $6,427-33.1% | $4,662-7.7% |
| Participant deferral / active EE | $11,031 | $9,808+12.5% | $9,133+20.8% | $6,690+64.9% |
| Admin fee / account holder | $12,541 | $16,362-23.4% | $13,898-9.8% | $13,392-6.4% |