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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 | $86,326 | $100,970-14.5% | $96,576-10.6% | $137,256-37.1% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 23.18% | 38.16%-15.0pp | 38.47%-15.3pp | 220.34%-197.2pp |
| Employer contribution / active EE | $25,990 | $3,809+582.3% | $3,553+631.5% | $4,156+525.4% |
| Participant deferral / active EE | $16,174 | $8,286+95.2% | $7,956+103.3% | $6,407+152.5% |
| Admin fee / account holder | $449 | $11,312-96.0% | $11,381-96.1% | $12,270-96.3% |