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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 | $100,392 | $113,941-11.9% | $94,229+6.5% | $125,389-19.9% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | 3.27% | 5.29%-2.0pp | 10.68%-7.4pp | 282.24%-279.0pp |
| Employer contribution / active EE | $4,441 | $4,727-6.0% | $3,587+23.8% | $4,866-8.7% |
| Participant deferral / active EE | $7,110 | $5,179+37.3% | $4,320+64.6% | $5,352+32.9% |
| Admin fee / account holder | $3,221 | $8,392-61.6% | $6,269-48.6% | $9,541-66.2% |