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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 | $118,382 | $165,381-28.4% | $149,730-20.9% | $158,966-25.5% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 17.70% | 348.29%-330.6pp | 276.70%-259.0pp | 302.95%-285.3pp |
| Employer contribution / active EE | $1,766 | $5,104-65.4% | $4,645-62.0% | $4,762-62.9% |
| Participant deferral / active EE | $7,580 | $7,182+5.5% | $6,843+10.8% | $5,983+26.7% |
| Admin fee / account holder | $422 | $10,809-96.1% | $9,310-95.5% | $11,250-96.2% |