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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 | $173,548 | $166,089+4.5% | $164,928+5.2% | $145,978+18.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 12.49% | 100.26%-87.8pp | 70.08%-57.6pp | 550.52%-538.0pp |
| Employer contribution / active EE | $3,429 | $5,276-35.0% | $4,343-21.0% | $4,662-26.4% |
| Participant deferral / active EE | $13,771 | $6,961+97.8% | $6,034+128.2% | $6,690+105.9% |
| Admin fee / account holder | $4,114 | $16,641-75.3% | $12,684-67.6% | $13,400-69.3% |