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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 | $125,163 | $110,240+13.5% | $96,544+29.6% | $139,487-10.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 17.82% | 26.41%-8.6pp | 25.88%-8.1pp | 373.84%-356.0pp |
| Employer contribution / active EE | $8,456 | $3,622+133.4% | $2,966+185.1% | $4,755+77.8% |
| Participant deferral / active EE | $4,193 | $5,549-24.4% | $4,851-13.6% | $6,713-37.5% |
| Admin fee / account holder | $4,310 | $11,602-62.9% | $8,254-47.8% | $11,407-62.2% |