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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 | $106,079 | $110,303-3.8% | $95,759+10.8% | $139,487-24.0% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 19.41% | 27.19%-7.8pp | 28.42%-9.0pp | 373.84%-354.4pp |
| Employer contribution / active EE | $1,499 | $3,261-54.0% | $2,836-47.2% | $4,755-68.5% |
| Participant deferral / active EE | $3,193 | $4,674-31.7% | $4,244-24.8% | $6,713-52.4% |
| Admin fee / account holder | $2,499 | $6,615-62.2% | $5,678-56.0% | $11,407-78.1% |