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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 | $84,017 | $157,276-46.6% | $141,177-40.5% | $152,885-45.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 15.99% | 64.33%-48.3pp | 71.40%-55.4pp | 345.39%-329.4pp |
| Employer contribution / active EE | $3,579 | $5,262-32.0% | $4,736-24.4% | $4,763-24.9% |
| Participant deferral / active EE | $11,074 | $7,110+55.7% | $6,710+65.0% | $5,851+89.3% |
| Admin fee / account holder | $12,309 | $12,123+1.5% | $10,263+19.9% | $11,598+6.1% |