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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 | $100,693 | $162,821-38.2% | $133,978-24.8% | $158,982-36.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 16.80% | 41.95%-25.1pp | 45.10%-28.3pp | 302.99%-286.2pp |
| Employer contribution / active EE | $5,114 | $4,976+2.8% | $3,919+30.5% | $4,763+7.4% |
| Participant deferral / active EE | $13,063 | $5,910+121.0% | $5,047+158.8% | $5,983+118.3% |
| Admin fee / account holder | $11,836 | $11,742+0.8% | $8,930+32.5% | $11,252+5.2% |