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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 | $143,666 | $154,228-6.8% | $145,433-1.2% | $137,256+4.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 17.51% | 74.59%-57.1pp | 66.58%-49.1pp | 220.34%-202.8pp |
| Employer contribution / active EE | $2,602 | $4,804-45.8% | $4,554-42.9% | $4,156-37.4% |
| Participant deferral / active EE | $8,542 | $8,216+4.0% | $7,897+8.2% | $6,407+33.3% |
| Admin fee / account holder | $712 | $14,344-95.0% | $13,129-94.6% | $12,270-94.2% |