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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 | $99,828 | $174,379-42.8% | $152,093-34.4% | $138,895-28.1% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 16.06% | 74.86%-58.8pp | 66.36%-50.3pp | 145.39%-129.3pp |
| Employer contribution / active EE | $2,930 | $4,652-37.0% | $4,175-29.8% | $4,194-30.2% |
| Participant deferral / active EE | $13,247 | $6,159+115.1% | $5,451+143.0% | $6,396+107.1% |
| Admin fee / account holder | $10,932 | $16,880-35.2% | $14,497-24.6% | $12,562-13.0% |