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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 | $107,377 | $162,136-33.8% | $152,301-29.5% | $154,746-30.6% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 18.37% | 91.02%-72.7pp | 80.50%-62.1pp | 172.34%-154.0pp |
| Employer contribution / active EE | $4,834 | $4,890-1.2% | $4,624+4.5% | $4,379+10.4% |
| Participant deferral / active EE | $7,571 | $8,341-9.2% | $8,004-5.4% | $6,730+12.5% |
| Admin fee / account holder | $15,264 | $15,759-3.1% | $14,398+6.0% | $14,365+6.3% |