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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 | $91,495 | $162,812-43.8% | $133,971-31.7% | $158,966-42.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 19.28% | 41.94%-22.7pp | 45.09%-25.8pp | 302.95%-283.7pp |
| Employer contribution / active EE | $3,499 | $4,976-29.7% | $3,919-10.7% | $4,762-26.5% |
| Participant deferral / active EE | $11,640 | $5,910+97.0% | $5,047+130.6% | $5,983+94.6% |
| Admin fee / account holder | $16,390 | $11,741+39.6% | $8,929+83.6% | $11,250+45.7% |