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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 | $144,270 | $66,431+117.2% | $109,916+31.3% | $85,851+68.0% |
| Participation rate | 100.0% | 63.9%+36.1pp | 74.2%+25.8pp | 69.3%+30.7pp |
| Annual return | 19.31% | 19.59%-0.3pp | 29.46%-10.1pp | 318.63%-299.3pp |
| Employer contribution / active EE | $1,507 | $1,688-10.7% | $2,844-47.0% | $2,565-41.3% |
| Participant deferral / active EE | $5,268 | $2,844+85.2% | $4,047+30.2% | $3,952+33.3% |
| Admin fee / account holder | $3,627 | $4,559-20.4% | $6,069-40.2% | $6,261-42.1% |