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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 | $116,894 | $209,336-44.2% | $197,124-40.7% | $137,256-14.8% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 22.48% | 48.09%-25.6pp | 44.34%-21.9pp | 220.34%-197.9pp |
| Employer contribution / active EE | $4,167 | $6,591-36.8% | $6,227-33.1% | $4,156+0.3% |
| Participant deferral / active EE | $11,076 | $9,614+15.2% | $9,135+21.2% | $6,407+72.9% |
| Admin fee / account holder | $310 | $17,308-98.2% | $16,298-98.1% | $12,270-97.5% |