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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 | $107,788 | $174,379-38.2% | $152,093-29.1% | $138,895-22.4% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 19.85% | 74.86%-55.0pp | 66.36%-46.5pp | 145.39%-125.5pp |
| Employer contribution / active EE | $8,561 | $4,652+84.0% | $4,175+105.1% | $4,194+104.1% |
| Participant deferral / active EE | $4,444 | $6,159-27.9% | $5,451-18.5% | $6,396-30.5% |
| Admin fee / account holder | $460 | $16,880-97.3% | $14,497-96.8% | $12,562-96.3% |