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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 | $103,521 | $149,778-30.9% | $118,946-13.0% | $158,950-34.9% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | 12.86% | 19.95%-7.1pp | 35.89%-23.0pp | 302.91%-290.0pp |
| Employer contribution / active EE | $37,973 | $4,117+822.4% | $3,263+1063.6% | $4,762+697.4% |
| Participant deferral / active EE | $13,000 | $5,225+148.8% | $4,266+204.8% | $5,983+117.3% |
| Admin fee / account holder | $532 | $8,604-93.8% | $6,581-91.9% | $11,248-95.3% |