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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 | $113,783 | $115,911-1.8% | $100,530+13.2% | $158,950-28.4% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 26.62% | 34.80%-8.2pp | 30.89%-4.3pp | 302.91%-276.3pp |
| Employer contribution / active EE | $18,000 | $4,104+338.6% | $3,418+426.6% | $4,762+278.0% |
| Participant deferral / active EE | $19,500 | $6,676+192.1% | $6,271+211.0% | $5,983+225.9% |
| Admin fee / account holder | $356 | $10,999-96.8% | $8,083-95.6% | $11,248-96.8% |