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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 | $124,679 | $117,895+5.8% | $102,460+21.7% | $145,897-14.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 17.61% | 31.92%-14.3pp | 29.47%-11.9pp | 552.29%-534.7pp |
| Employer contribution / active EE | $3,098 | $3,619-14.4% | $3,025+2.4% | $4,663-33.6% |
| Participant deferral / active EE | $3,728 | $5,736-35.0% | $5,056-26.3% | $6,689-44.3% |
| Admin fee / account holder | $13,965 | $13,353+4.6% | $9,460+47.6% | $13,390+4.3% |