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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 | $79,403 | $107,666-26.3% | $102,184-22.3% | $154,746-48.7% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 20.05% | 29.33%-9.3pp | 31.58%-11.5pp | 172.34%-152.3pp |
| Employer contribution / active EE | $12,256 | $3,846+218.6% | $3,594+241.0% | $4,379+179.9% |
| Participant deferral / active EE | $19,383 | $8,719+122.3% | $8,309+133.3% | $6,730+188.0% |
| Admin fee / account holder | $5,820 | $12,943-55.0% | $11,609-49.9% | $14,365-59.5% |