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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 | $161,874 | $201,259-19.6% | $184,200-12.1% | $145,959+10.9% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 13.88% | 28.98%-15.1pp | 28.80%-14.9pp | 561.95%-548.1pp |
| Employer contribution / active EE | $5,736 | $7,018-18.3% | $6,424-10.7% | $4,661+23.1% |
| Participant deferral / active EE | $9,252 | $9,806-5.6% | $9,132+1.3% | $6,689+38.3% |
| Admin fee / account holder | $771 | $16,372-95.3% | $13,907-94.5% | $13,398-94.2% |