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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 | $148,247 | $201,370-26.4% | $184,256-19.5% | $145,897+1.6% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 13.06% | 29.05%-16.0pp | 28.85%-15.8pp | 552.29%-539.2pp |
| Employer contribution / active EE | $6,363 | $7,024-9.4% | $6,427-1.0% | $4,663+36.5% |
| Participant deferral / active EE | $9,200 | $9,808-6.2% | $9,133+0.7% | $6,689+37.5% |
| Admin fee / account holder | $3,328 | $16,364-79.7% | $13,899-76.1% | $13,390-75.1% |