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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 | $97,158 | $110,278-11.9% | $95,740+1.5% | $139,466-30.3% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 19.49% | 27.19%-7.7pp | 28.41%-8.9pp | 373.66%-354.2pp |
| Employer contribution / active EE | $3,817 | $3,260+17.1% | $2,836+34.6% | $4,754-19.7% |
| Participant deferral / active EE | $4,904 | $4,674+4.9% | $4,244+15.6% | $6,712-26.9% |
| Admin fee / account holder | $5,450 | $6,613-17.6% | $5,676-4.0% | $11,409-52.2% |