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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 | $84,720 | $176,786-52.1% | $146,643-42.2% | $167,536-49.4% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 13.17% | 24.04%-10.9pp | 22.75%-9.6pp | 478.82%-465.6pp |
| Employer contribution / active EE | $4,794 | $5,161-7.1% | $4,137+15.9% | $4,839-0.9% |
| Participant deferral / active EE | $7,334 | $6,440+13.9% | $5,506+33.2% | $6,342+15.6% |
| Admin fee / account holder | $6,362 | $13,262-52.0% | $10,280-38.1% | $12,315-48.3% |