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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 | $225,553 | $228,395-1.2% | $185,861+21.4% | $158,982+41.9% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 19.33% | 40.82%-21.5pp | 35.96%-16.6pp | 302.99%-283.7pp |
| Employer contribution / active EE | $3,929 | $4,968-20.9% | $4,088-3.9% | $4,763-17.5% |
| Participant deferral / active EE | $8,157 | $6,417+27.1% | $5,634+44.8% | $5,983+36.3% |
| Admin fee / account holder | $570 | $11,869-95.2% | $9,503-94.0% | $11,252-94.9% |