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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 | $132,598 | $162,821-18.6% | $133,978-1.0% | $158,982-16.6% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 13.70% | 41.95%-28.2pp | 45.10%-31.4pp | 302.99%-289.3pp |
| Employer contribution / active EE | $11,071 | $4,976+122.5% | $3,919+182.5% | $4,763+132.5% |
| Participant deferral / active EE | $10,979 | $5,910+85.8% | $5,047+117.5% | $5,983+83.5% |
| Admin fee / account holder | $2,278 | $11,742-80.6% | $8,930-74.5% | $11,252-79.8% |