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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 | $135,964 | $185,312-26.6% | $161,489-15.8% | $154,746-12.1% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 15.93% | 103.84%-87.9pp | 89.72%-73.8pp | 172.34%-156.4pp |
| Employer contribution / active EE | $2,743 | $4,769-42.5% | $4,268-35.7% | $4,379-37.4% |
| Participant deferral / active EE | $6,501 | $6,350+2.4% | $5,630+15.5% | $6,730-3.4% |
| Admin fee / account holder | $3,077 | $18,654-83.5% | $16,006-80.8% | $14,365-78.6% |