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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 | $211,569 | $176,786+19.7% | $146,643+44.3% | $167,536+26.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 14.94% | 24.04%-9.1pp | 22.75%-7.8pp | 478.82%-463.9pp |
| Employer contribution / active EE | $3,668 | $5,161-28.9% | $4,137-11.3% | $4,839-24.2% |
| Participant deferral / active EE | $10,531 | $6,440+63.5% | $5,506+91.3% | $6,342+66.0% |
| Admin fee / account holder | $638 | $13,262-95.2% | $10,280-93.8% | $12,315-94.8% |