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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 | $142,184 | $227,597-37.5% | $189,575-25.0% | $167,536-15.1% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 11.28% | 78.44%-67.2pp | 64.19%-52.9pp | 478.82%-467.5pp |
| Employer contribution / active EE | $6,122 | $5,316+15.2% | $4,412+38.8% | $4,839+26.5% |
| Participant deferral / active EE | $7,224 | $7,002+3.2% | $6,174+17.0% | $6,342+13.9% |
| Admin fee / account holder | $319 | $11,877-97.3% | $9,806-96.8% | $12,315-97.4% |