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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 | $127,542 | $135,956-6.2% | $123,894+2.9% | $273,972-53.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 16.65% | 56.63%-40.0pp | 47.52%-30.9pp | 41.46%-24.8pp |
| Employer contribution / active EE | $6,267 | $5,170+21.2% | $4,617+35.7% | $4,869+28.7% |
| Participant deferral / active EE | $18,146 | $6,343+186.1% | $5,984+203.2% | $5,287+243.2% |
| Admin fee / account holder | $4,883 | $9,817-50.3% | $8,357-41.6% | $10,133-51.8% |