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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 | $124,697 | $201,264-38.0% | $184,185-32.3% | $145,978-14.6% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 17.96% | 29.00%-11.0pp | 28.81%-10.9pp | 550.52%-532.6pp |
| Employer contribution / active EE | $6,315 | $7,021-10.0% | $6,426-1.7% | $4,662+35.5% |
| Participant deferral / active EE | $12,597 | $9,806+28.5% | $9,132+37.9% | $6,690+88.3% |
| Admin fee / account holder | $1,920 | $16,376-88.3% | $13,909-86.2% | $13,400-85.7% |