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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 | $105,291 | $110,379-4.6% | $102,412+2.8% | $145,884-27.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 13.57% | 24.84%-11.3pp | 24.94%-11.4pp | 551.85%-538.3pp |
| Employer contribution / active EE | $4,151 | $4,216-1.6% | $3,870+7.3% | $4,662-11.0% |
| Participant deferral / active EE | $9,560 | $5,622+70.1% | $5,060+88.9% | $6,690+42.9% |
| Admin fee / account holder | $814 | $9,745-91.7% | $8,388-90.3% | $13,392-93.9% |