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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 | $98,708 | $162,136-39.1% | $152,301-35.2% | $154,746-36.2% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 19.86% | 91.02%-71.2pp | 80.50%-60.6pp | 172.34%-152.5pp |
| Employer contribution / active EE | $3,199 | $4,890-34.6% | $4,624-30.8% | $4,379-26.9% |
| Participant deferral / active EE | $11,068 | $8,341+32.7% | $8,004+38.3% | $6,730+64.4% |
| Admin fee / account holder | $28,185 | $15,759+78.8% | $14,398+95.8% | $14,365+96.2% |