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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 | $183,414 | $162,812+12.7% | $133,971+36.9% | $158,966+15.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 13.36% | 41.94%-28.6pp | 45.09%-31.7pp | 302.95%-289.6pp |
| Employer contribution / active EE | $2,783 | $4,976-44.1% | $3,919-29.0% | $4,762-41.6% |
| Participant deferral / active EE | $12,319 | $5,910+108.4% | $5,047+144.1% | $5,983+105.9% |
| Admin fee / account holder | $55,884 | $11,741+376.0% | $8,929+525.8% | $11,250+396.7% |