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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 | $130,912 | $162,812-19.6% | $133,971-2.3% | $158,966-17.6% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 11.67% | 41.94%-30.3pp | 45.09%-33.4pp | 302.95%-291.3pp |
| Employer contribution / active EE | $2,925 | $4,976-41.2% | $3,919-25.4% | $4,762-38.6% |
| Participant deferral / active EE | $6,055 | $5,910+2.5% | $5,047+20.0% | $5,983+1.2% |
| Admin fee / account holder | $1,368 | $11,741-88.3% | $8,929-84.7% | $11,250-87.8% |