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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 | $115,217 | $129,737-11.2% | $119,126-3.3% | $154,746-25.5% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 15.19% | 379.08%-363.9pp | 282.11%-266.9pp | 172.34%-157.1pp |
| Employer contribution / active EE | $3,903 | $4,375-10.8% | $4,034-3.2% | $4,379-10.9% |
| Participant deferral / active EE | $12,442 | $5,842+113.0% | $5,318+134.0% | $6,730+84.9% |
| Admin fee / account holder | $1,097 | $11,961-90.8% | $10,693-89.7% | $14,365-92.4% |