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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 | $140,388 | $162,821-13.8% | $133,978+4.8% | $158,982-11.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 16.60% | 41.95%-25.3pp | 45.10%-28.5pp | 302.99%-286.4pp |
| Employer contribution / active EE | $6,746 | $4,976+35.6% | $3,919+72.1% | $4,763+41.6% |
| Participant deferral / active EE | $8,034 | $5,910+35.9% | $5,047+59.2% | $5,983+34.3% |
| Admin fee / account holder | $885 | $11,742-92.5% | $8,930-90.1% | $11,252-92.1% |