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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 | $119,594 | $154,228-22.5% | $145,433-17.8% | $137,256-12.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 19.10% | 74.59%-55.5pp | 66.58%-47.5pp | 220.34%-201.2pp |
| Employer contribution / active EE | $3,779 | $4,804-21.3% | $4,554-17.0% | $4,156-9.1% |
| Participant deferral / active EE | $11,294 | $8,216+37.5% | $7,897+43.0% | $6,407+76.3% |
| Admin fee / account holder | $1,139 | $14,344-92.1% | $13,129-91.3% | $12,270-90.7% |