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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 | $89,547 | $115,917-22.7% | $100,535-10.9% | $158,982-43.7% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 16.20% | 34.80%-18.6pp | 30.90%-14.7pp | 302.99%-286.8pp |
| Employer contribution / active EE | $8,109 | $4,105+97.5% | $3,419+137.2% | $4,763+70.3% |
| Participant deferral / active EE | $8,798 | $6,677+31.8% | $6,271+40.3% | $5,983+47.0% |
| Admin fee / account holder | $421 | $11,002-96.2% | $8,085-94.8% | $11,252-96.3% |