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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 | $177,773 | $112,729+57.7% | $98,716+80.1% | $137,256+29.5% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 19.23% | 38.48%-19.3pp | 31.81%-12.6pp | 220.34%-201.1pp |
| Employer contribution / active EE | $4,475 | $2,725+64.2% | $2,279+96.4% | $4,156+7.7% |
| Participant deferral / active EE | $16,091 | $4,640+246.8% | $4,048+297.5% | $6,407+151.2% |
| Admin fee / account holder | $2,120 | $10,129-79.1% | $8,703-75.6% | $12,270-82.7% |