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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 | $110,604 | $111,535-0.8% | $105,223+5.1% | $137,256-19.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 21.35% | 237.85%-216.5pp | 180.65%-159.3pp | 220.34%-199.0pp |
| Employer contribution / active EE | $3,067 | $3,939-22.1% | $3,689-16.8% | $4,156-26.2% |
| Participant deferral / active EE | $12,475 | $5,500+126.8% | $5,072+146.0% | $6,407+94.7% |
| Admin fee / account holder | $1,285 | $9,721-86.8% | $8,859-85.5% | $12,270-89.5% |