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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 | $125,563 | $162,812-22.9% | $133,971-6.3% | $158,966-21.0% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 13.11% | 41.94%-28.8pp | 45.09%-32.0pp | 302.95%-289.8pp |
| Employer contribution / active EE | $4,952 | $4,976-0.5% | $3,919+26.4% | $4,762+4.0% |
| Participant deferral / active EE | $13,728 | $5,910+132.3% | $5,047+172.0% | $5,983+129.4% |
| Admin fee / account holder | $1,987 | $11,741-83.1% | $8,929-77.8% | $11,250-82.3% |