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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 | $177,730 | $211,239-15.9% | $178,528-0.4% | $145,877+21.8% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 13.28% | 30.22%-16.9pp | 27.11%-13.8pp | 551.28%-538.0pp |
| Employer contribution / active EE | $2,275 | $4,570-50.2% | $3,950-42.4% | $4,663-51.2% |
| Participant deferral / active EE | $9,009 | $6,963+29.4% | $6,278+43.5% | $6,691+34.6% |
| Admin fee / account holder | $651 | $12,095-94.6% | $10,419-93.8% | $13,402-95.1% |