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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 | $100,247 | $162,812-38.4% | $133,971-25.2% | $158,966-36.9% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 18.12% | 41.94%-23.8pp | 45.09%-27.0pp | 302.95%-284.8pp |
| Employer contribution / active EE | $3,259 | $4,976-34.5% | $3,919-16.8% | $4,762-31.6% |
| Participant deferral / active EE | $6,319 | $5,910+6.9% | $5,047+25.2% | $5,983+5.6% |
| Admin fee / account holder | $339 | $11,741-97.1% | $8,929-96.2% | $11,250-97.0% |