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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 | $119,638 | $162,821-26.5% | $133,978-10.7% | $158,982-24.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 13.28% | 41.95%-28.7pp | 45.10%-31.8pp | 302.99%-289.7pp |
| Employer contribution / active EE | $3,089 | $4,976-37.9% | $3,919-21.2% | $4,763-35.1% |
| Participant deferral / active EE | $8,258 | $5,910+39.7% | $5,047+63.6% | $5,983+38.0% |
| Admin fee / account holder | $2,748 | $11,742-76.6% | $8,930-69.2% | $11,252-75.6% |