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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 | $103,734 | $111,535-7.0% | $105,223-1.4% | $137,256-24.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 16.17% | 237.85%-221.7pp | 180.65%-164.5pp | 220.34%-204.2pp |
| Employer contribution / active EE | $3,213 | $3,939-18.4% | $3,689-12.9% | $4,156-22.7% |
| Participant deferral / active EE | $8,447 | $5,500+53.6% | $5,072+66.6% | $6,407+31.9% |
| Admin fee / account holder | $9,516 | $9,721-2.1% | $8,859+7.4% | $12,270-22.4% |