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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 | $99,081 | $110,240-10.1% | $96,544+2.6% | $139,487-29.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 18.36% | 26.41%-8.1pp | 25.88%-7.5pp | 373.84%-355.5pp |
| Employer contribution / active EE | $3,886 | $3,622+7.3% | $2,966+31.0% | $4,755-18.3% |
| Participant deferral / active EE | $10,994 | $5,549+98.1% | $4,851+126.6% | $6,713+63.8% |
| Admin fee / account holder | $8,492 | $11,602-26.8% | $8,254+2.9% | $11,407-25.6% |