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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 | $133,798 | $156,616-14.6% | $133,346+0.3% | $198,609-32.6% |
| Participation rate | 100.0% | 77.7%+22.3pp | 72.8%+27.2pp | 82.4%+17.6pp |
| Annual return | 15.01% | 44.25%-29.2pp | 36.85%-21.8pp | 202.70%-187.7pp |
| Employer contribution / active EE | $3,195 | $3,368-5.1% | $2,853+12.0% | $5,055-36.8% |
| Participant deferral / active EE | $12,000 | $4,920+143.9% | $4,332+177.0% | $6,977+72.0% |
| Admin fee / account holder | $635 | $17,468-96.4% | $14,264-95.5% | $19,030-96.7% |