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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 | $164,329 | $111,814+47.0% | $103,374+59.0% | $145,959+12.6% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 14.28% | 24.77%-10.5pp | 24.89%-10.6pp | 561.95%-547.7pp |
| Employer contribution / active EE | $3,809 | $4,214-9.6% | $3,869-1.6% | $4,661-18.3% |
| Participant deferral / active EE | $9,272 | $5,618+65.0% | $5,058+83.3% | $6,689+38.6% |
| Admin fee / account holder | $13,510 | $9,754+38.5% | $8,394+60.9% | $13,398+0.8% |