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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 | $176,329 | $182,442-3.4% | $163,379+7.9% | $138,895+27.0% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 12.98% | 72.74%-59.8pp | 63.41%-50.4pp | 145.39%-132.4pp |
| Employer contribution / active EE | $6,561 | $4,159+57.7% | $3,752+74.8% | $4,194+56.4% |
| Participant deferral / active EE | $12,205 | $6,817+79.0% | $6,282+94.3% | $6,396+90.8% |
| Admin fee / account holder | $52,963 | $10,396+409.5% | $9,818+439.5% | $12,562+321.6% |