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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 | $130,511 | $185,312-29.6% | $161,489-19.2% | $154,746-15.7% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 12.04% | 103.84%-91.8pp | 89.72%-77.7pp | 172.34%-160.3pp |
| Employer contribution / active EE | $6,798 | $4,769+42.5% | $4,268+59.3% | $4,379+55.2% |
| Participant deferral / active EE | $7,777 | $6,350+22.5% | $5,630+38.1% | $6,730+15.6% |
| Admin fee / account holder | $5,804 | $18,654-68.9% | $16,006-63.7% | $14,365-59.6% |