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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 | $117,103 | $211,288-44.6% | $178,540-34.4% | $145,884-19.7% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 16.20% | 30.27%-14.1pp | 27.15%-10.9pp | 551.85%-535.6pp |
| Employer contribution / active EE | $3,651 | $4,574-20.2% | $3,953-7.6% | $4,662-21.7% |
| Participant deferral / active EE | $6,754 | $6,967-3.1% | $6,281+7.5% | $6,690+1.0% |
| Admin fee / account holder | $485 | $12,105-96.0% | $10,424-95.3% | $13,392-96.4% |