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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 | $125,970 | $155,555-19.0% | $146,866-14.2% | $155,188-18.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 13.77% | 115.41%-101.6pp | 102.85%-89.1pp | 148.84%-135.1pp |
| Employer contribution / active EE | $5,585 | $4,647+20.2% | $4,425+26.2% | $4,248+31.5% |
| Participant deferral / active EE | $7,577 | $8,044-5.8% | $7,759-2.4% | $6,531+16.0% |
| Admin fee / account holder | $8,068 | $14,755-45.3% | $13,620-40.8% | $14,480-44.3% |