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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 | $123,446 | $210,343-41.3% | $153,432-19.5% | $145,959-15.4% |
| Participation rate | 100.0% | 82.1%+17.9pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 12.39% | 13.38%-1.0pp | 15.66%-3.3pp | 561.95%-549.6pp |
| Employer contribution / active EE | $6,704 | $6,047+10.9% | $5,038+33.1% | $4,661+43.8% |
| Participant deferral / active EE | $28,750 | $7,977+260.4% | $6,757+325.5% | $6,689+329.8% |
| Admin fee / account holder | $532 | $19,424-97.3% | $12,725-95.8% | $13,398-96.0% |