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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 | $119,719 | $111,535+7.3% | $105,223+13.8% | $137,256-12.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 18.78% | 237.85%-219.1pp | 180.65%-161.9pp | 220.34%-201.6pp |
| Employer contribution / active EE | $3,335 | $3,939-15.3% | $3,689-9.6% | $4,156-19.8% |
| Participant deferral / active EE | $10,031 | $5,500+82.4% | $5,072+97.8% | $6,407+56.6% |
| Admin fee / account holder | $1,294 | $9,721-86.7% | $8,859-85.4% | $12,270-89.5% |