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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 | $119,003 | $117,895+0.9% | $102,460+16.1% | $145,897-18.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 11.67% | 31.92%-20.3pp | 29.47%-17.8pp | 552.29%-540.6pp |
| Employer contribution / active EE | $4,334 | $3,619+19.8% | $3,025+43.3% | $4,663-7.1% |
| Participant deferral / active EE | $3,297 | $5,736-42.5% | $5,056-34.8% | $6,689-50.7% |
| Admin fee / account holder | $3,231 | $13,353-75.8% | $9,460-65.8% | $13,390-75.9% |