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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 | $107,235 | $110,379-2.8% | $102,412+4.7% | $145,884-26.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 11.50% | 24.84%-13.3pp | 24.94%-13.4pp | 551.85%-540.4pp |
| Employer contribution / active EE | $2,275 | $4,216-46.0% | $3,870-41.2% | $4,662-51.2% |
| Participant deferral / active EE | $5,037 | $5,622-10.4% | $5,060-0.5% | $6,690-24.7% |
| Admin fee / account holder | $4,063 | $9,745-58.3% | $8,388-51.6% | $13,392-69.7% |