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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 | $106,194 | $162,812-34.8% | $133,971-20.7% | $158,966-33.2% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 22.01% | 41.94%-19.9pp | 45.09%-23.1pp | 302.95%-280.9pp |
| Employer contribution / active EE | $6,024 | $4,976+21.1% | $3,919+53.7% | $4,762+26.5% |
| Participant deferral / active EE | $8,935 | $5,910+51.2% | $5,047+77.0% | $5,983+49.3% |
| Admin fee / account holder | $2,411 | $11,741-79.5% | $8,929-73.0% | $11,250-78.6% |