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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 | $143,088 | $149,741-4.4% | $118,914+20.3% | $158,982-10.0% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | 17.36% | 19.94%-2.6pp | 35.89%-18.5pp | 302.99%-285.6pp |
| Employer contribution / active EE | $3,702 | $4,119-10.1% | $3,264+13.4% | $4,763-22.3% |
| Participant deferral / active EE | $11,232 | $5,226+114.9% | $4,266+163.3% | $5,983+87.7% |
| Admin fee / account holder | $5,259 | $8,607-38.9% | $6,582-20.1% | $11,252-53.3% |