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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 | $79,598 | $78,682+1.2% | $109,188-27.1% | $85,851-7.3% |
| Participation rate | 100.0% | 68.3%+31.7pp | 75.9%+24.1pp | 69.3%+30.7pp |
| Annual return | 16.85% | 25.09%-8.2pp | 25.76%-8.9pp | 318.63%-301.8pp |
| Employer contribution / active EE | $5,073 | $2,734+85.6% | $3,723+36.3% | $2,565+97.8% |
| Participant deferral / active EE | $4,494 | $3,468+29.6% | $4,654-3.4% | $3,952+13.7% |
| Admin fee / account holder | $6,378 | $5,470+16.6% | $6,755-5.6% | $6,261+1.9% |