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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 | $134,926 | $192,829-30.0% | $142,516-5.3% | $139,466-3.3% |
| Participation rate | 100.0% | 81.4%+18.6pp | 76.8%+23.2pp | 80.3%+19.7pp |
| Annual return | 11.62% | 17.99%-6.4pp | 19.99%-8.4pp | 373.66%-362.0pp |
| Employer contribution / active EE | $1,829 | $5,808-68.5% | $4,849-62.3% | $4,754-61.5% |
| Participant deferral / active EE | $9,071 | $7,200+26.0% | $6,280+44.4% | $6,712+35.1% |
| Admin fee / account holder | $11,063 | $15,120-26.8% | $10,008+10.5% | $11,409-3.0% |