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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 | $130,755 | $162,785-19.7% | $133,959-2.4% | $158,950-17.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 20.89% | 41.94%-21.0pp | 45.09%-24.2pp | 302.91%-282.0pp |
| Employer contribution / active EE | $2,061 | $4,975-58.6% | $3,919-47.4% | $4,762-56.7% |
| Participant deferral / active EE | $7,341 | $5,910+24.2% | $5,047+45.4% | $5,983+22.7% |
| Admin fee / account holder | $1,064 | $11,738-90.9% | $8,928-88.1% | $11,248-90.5% |