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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 | $168,462 | $110,379+52.6% | $102,412+64.5% | $145,884+15.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.04% | 24.84%-12.8pp | 24.94%-12.9pp | 551.85%-539.8pp |
| Employer contribution / active EE | $4,106 | $4,216-2.6% | $3,870+6.1% | $4,662-11.9% |
| Participant deferral / active EE | $7,693 | $5,622+36.8% | $5,060+52.0% | $6,690+15.0% |
| Admin fee / account holder | $22,415 | $9,745+130.0% | $8,388+167.2% | $13,392+67.4% |