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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 | $127,608 | $181,062-29.5% | $158,223-19.3% | $155,188-17.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 9.62% | 57.39%-47.8pp | 52.09%-42.5pp | 148.84%-139.2pp |
| Employer contribution / active EE | $3,184 | $4,565-30.2% | $4,109-22.5% | $4,248-25.0% |
| Participant deferral / active EE | $6,825 | $6,134+11.3% | $5,467+24.8% | $6,531+4.5% |
| Admin fee / account holder | $76,335 | $18,825+305.5% | $16,047+375.7% | $14,480+427.2% |