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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 | $118,786 | $96,965+22.5% | $97,995+21.2% | $147,586-19.5% |
| Participation rate | 100.0% | 83.6%+16.4pp | 82.4%+17.6pp | 82.8%+17.2pp |
| Annual return | 16.19% | 24.11%-7.9pp | 23.94%-7.7pp | 578.59%-562.4pp |
| Employer contribution / active EE | $4,263 | $4,536-6.0% | $4,158+2.5% | $4,876-12.6% |
| Participant deferral / active EE | $2,494 | $5,081-50.9% | $5,097-51.1% | $5,439-54.1% |
| Admin fee / account holder | $5,496 | $8,120-32.3% | $5,943-7.5% | $10,886-49.5% |