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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 | $130,036 | $181,062-28.2% | $158,223-17.8% | $155,188-16.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 11.74% | 57.39%-45.6pp | 52.09%-40.3pp | 148.84%-137.1pp |
| Employer contribution / active EE | $3,522 | $4,565-22.8% | $4,109-14.3% | $4,248-17.1% |
| Participant deferral / active EE | $8,312 | $6,134+35.5% | $5,467+52.0% | $6,531+27.3% |
| Admin fee / account holder | $1,175 | $18,825-93.8% | $16,047-92.7% | $14,480-91.9% |