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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 | $116,442 | $162,821-28.5% | $133,978-13.1% | $158,982-26.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 19.30% | 41.95%-22.6pp | 45.10%-25.8pp | 302.99%-283.7pp |
| Employer contribution / active EE | $4,221 | $4,976-15.2% | $3,919+7.7% | $4,763-11.4% |
| Participant deferral / active EE | $10,341 | $5,910+75.0% | $5,047+104.9% | $5,983+72.8% |
| Admin fee / account holder | $18,198 | $11,742+55.0% | $8,930+103.8% | $11,252+61.7% |