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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 | $130,816 | $127,296+2.8% | $109,907+19.0% | $167,536-21.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.2%+25.8pp | 82.1%+17.9pp |
| Annual return | 9.50% | 22.97%-13.5pp | 29.46%-20.0pp | 478.82%-469.3pp |
| Employer contribution / active EE | $5,168 | $3,325+55.4% | $2,844+81.7% | $4,839+6.8% |
| Participant deferral / active EE | $6,546 | $4,513+45.0% | $4,047+61.8% | $6,342+3.2% |
| Admin fee / account holder | $1,789 | $7,119-74.9% | $6,069-70.5% | $12,315-85.5% |