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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 | $136,837 | $149,679-8.6% | $117,039+16.9% | $147,586-7.3% |
| Participation rate | 100.0% | 83.5%+16.5pp | 77.2%+22.8pp | 82.8%+17.2pp |
| Annual return | 12.51% | 19.31%-6.8pp | 18.95%-6.4pp | 578.59%-566.1pp |
| Employer contribution / active EE | $4,958 | $4,937+0.4% | $3,785+31.0% | $4,876+1.7% |
| Participant deferral / active EE | $4,378 | $4,912-10.9% | $3,929+11.4% | $5,439-19.5% |
| Admin fee / account holder | $4,779 | $7,856-39.2% | $5,974-20.0% | $10,886-56.1% |