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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 | $96,136 | $107,666-10.7% | $102,184-5.9% | $154,746-37.9% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 25.89% | 29.33%-3.4pp | 31.58%-5.7pp | 172.34%-146.4pp |
| Employer contribution / active EE | $16,465 | $3,846+328.1% | $3,594+358.2% | $4,379+276.0% |
| Participant deferral / active EE | $14,297 | $8,719+64.0% | $8,309+72.1% | $6,730+112.4% |
| Admin fee / account holder | $716 | $12,943-94.5% | $11,609-93.8% | $14,365-95.0% |