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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 | $115,865 | $124,351-6.8% | $109,188+6.1% | $167,553-30.8% |
| Participation rate | 95.2% | 79.4%+15.8pp | 75.9%+19.4pp | 82.1%+13.1pp |
| Annual return | 15.48% | 26.04%-10.6pp | 25.76%-10.3pp | 478.89%-463.4pp |
| Employer contribution / active EE | $3,923 | $4,210-6.8% | $3,723+5.4% | $4,840-18.9% |
| Participant deferral / active EE | $10,345 | $5,257+96.8% | $4,654+122.3% | $6,343+63.1% |
| Admin fee / account holder | $34,318 | $7,975+330.3% | $6,755+408.0% | $12,316+178.6% |