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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 | $173,820 | $127,387+36.5% | $115,038+51.1% | $125,389+38.6% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 1.03% | 31.28%-30.3pp | 26.14%-25.1pp | 282.24%-281.2pp |
| Employer contribution / active EE | $5,239 | $5,166+1.4% | $4,608+13.7% | $4,866+7.7% |
| Participant deferral / active EE | $6,200 | $6,423-3.5% | $6,026+2.9% | $5,352+15.9% |
| Admin fee / account holder | $3,370 | $9,516-64.6% | $8,175-58.8% | $9,541-64.7% |