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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 | $126,445 | $155,555-18.7% | $146,866-13.9% | $155,188-18.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 13.22% | 115.41%-102.2pp | 102.85%-89.6pp | 148.84%-135.6pp |
| Employer contribution / active EE | $3,064 | $4,647-34.1% | $4,425-30.7% | $4,248-27.9% |
| Participant deferral / active EE | $9,117 | $8,044+13.3% | $7,759+17.5% | $6,531+39.6% |
| Admin fee / account holder | $11,322 | $14,755-23.3% | $13,620-16.9% | $14,480-21.8% |