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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 | $64,167 | $155,555-58.7% | $146,866-56.3% | $155,188-58.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 14.26% | 115.41%-101.2pp | 102.85%-88.6pp | 148.84%-134.6pp |
| Employer contribution / active EE | $3,464 | $4,647-25.5% | $4,425-21.7% | $4,248-18.4% |
| Participant deferral / active EE | $10,942 | $8,044+36.0% | $7,759+41.0% | $6,531+67.5% |
| Admin fee / account holder | $13,661 | $14,755-7.4% | $13,620+0.3% | $14,480-5.7% |