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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 | $105,539 | $183,592-42.5% | $155,574-32.2% | $145,877-27.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 18.25% | 61.37%-43.1pp | 64.87%-46.6pp | 551.28%-533.0pp |
| Employer contribution / active EE | $4,758 | $5,317-10.5% | $4,676+1.8% | $4,663+2.0% |
| Participant deferral / active EE | $8,242 | $6,466+27.5% | $5,629+46.4% | $6,691+23.2% |
| Admin fee / account holder | $705 | $19,316-96.4% | $15,914-95.6% | $13,402-94.7% |