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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 | $201,370-19.6% | $184,256-12.1% | $145,897+11.0% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 13.88% | 29.05%-15.2pp | 28.85%-15.0pp | 552.29%-538.4pp |
| Employer contribution / active EE | $5,736 | $7,024-18.3% | $6,427-10.8% | $4,663+23.0% |
| Participant deferral / active EE | $9,252 | $9,808-5.7% | $9,133+1.3% | $6,689+38.3% |
| Admin fee / account holder | $771 | $16,364-95.3% | $13,899-94.5% | $13,390-94.2% |