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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 | $173,068 | $185,856-6.9% | $170,028+1.8% | $139,456+24.1% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 17.19% | 60.52%-43.3pp | 53.39%-36.2pp | 373.45%-356.3pp |
| Employer contribution / active EE | $5,256 | $7,593-30.8% | $6,788-22.6% | $4,753+10.6% |
| Participant deferral / active EE | $12,782 | $11,623+10.0% | $10,409+22.8% | $6,711+90.5% |
| Admin fee / account holder | $839 | $15,387-94.5% | $12,820-93.5% | $11,407-92.6% |