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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 | $115,248 | $106,247+8.5% | $96,515+19.4% | $139,466-17.4% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 14.86% | 38.47%-23.6pp | 35.73%-20.9pp | 373.66%-358.8pp |
| Employer contribution / active EE | $4,671 | $4,106+13.8% | $3,740+24.9% | $4,754-1.7% |
| Participant deferral / active EE | $1,974 | $5,456-63.8% | $4,880-59.6% | $6,712-70.6% |
| Admin fee / account holder | $4,217 | $7,885-46.5% | $6,735-37.4% | $11,409-63.0% |