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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 | $114,444 | $110,240+3.8% | $96,544+18.5% | $139,487-18.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 14.46% | 26.41%-12.0pp | 25.88%-11.4pp | 373.84%-359.4pp |
| Employer contribution / active EE | $3,085 | $3,622-14.8% | $2,966+4.0% | $4,755-35.1% |
| Participant deferral / active EE | $8,724 | $5,549+57.2% | $4,851+79.8% | $6,713+30.0% |
| Admin fee / account holder | $14,995 | $11,602+29.2% | $8,254+81.7% | $11,407+31.4% |