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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 | $117,734 | $185,312-36.5% | $161,489-27.1% | $154,746-23.9% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 14.48% | 103.84%-89.4pp | 89.72%-75.2pp | 172.34%-157.9pp |
| Employer contribution / active EE | $9,756 | $4,769+104.6% | $4,268+128.6% | $4,379+122.8% |
| Participant deferral / active EE | $6,113 | $6,350-3.7% | $5,630+8.6% | $6,730-9.2% |
| Admin fee / account holder | $4,994 | $18,654-73.2% | $16,006-68.8% | $14,365-65.2% |