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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 | $117,829+5.8% | $102,423+21.7% | $145,877-14.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 17.61% | 31.83%-14.2pp | 29.42%-11.8pp | 551.28%-533.7pp |
| Employer contribution / active EE | $3,098 | $3,615-14.3% | $3,023+2.5% | $4,663-33.6% |
| Participant deferral / active EE | $3,728 | $5,732-35.0% | $5,054-26.2% | $6,691-44.3% |
| Admin fee / account holder | $13,965 | $13,335+4.7% | $9,455+47.7% | $13,402+4.2% |