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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 | $100,820 | $185,312-45.6% | $161,489-37.6% | $154,746-34.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 15.47% | 103.84%-88.4pp | 89.72%-74.2pp | 172.34%-156.9pp |
| Employer contribution / active EE | $3,651 | $4,769-23.4% | $4,268-14.5% | $4,379-16.6% |
| Participant deferral / active EE | $10,664 | $6,350+67.9% | $5,630+89.4% | $6,730+58.4% |
| Admin fee / account holder | $2,983 | $18,654-84.0% | $16,006-81.4% | $14,365-79.2% |