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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 | $220,537 | $113,941+93.6% | $94,229+134.0% | $125,389+75.9% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | 3.84% | 5.29%-1.4pp | 10.68%-6.8pp | 282.24%-278.4pp |
| Employer contribution / active EE | $4,944 | $4,727+4.6% | $3,587+37.8% | $4,866+1.6% |
| Participant deferral / active EE | $9,029 | $5,179+74.3% | $4,320+109.0% | $5,352+68.7% |
| Admin fee / account holder | $8,146 | $8,392-2.9% | $6,269+29.9% | $9,541-14.6% |