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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 | $139,788 | $176,794-20.9% | $146,647-4.7% | $167,553-16.6% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 13.99% | 24.04%-10.0pp | 22.75%-8.8pp | 478.89%-464.9pp |
| Employer contribution / active EE | $6,668 | $5,161+29.2% | $4,137+61.2% | $4,840+37.8% |
| Participant deferral / active EE | $6,563 | $6,440+1.9% | $5,506+19.2% | $6,343+3.5% |
| Admin fee / account holder | $9,475 | $13,262-28.6% | $10,281-7.8% | $12,316-23.1% |