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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 | $151,213 | $111,535+35.6% | $105,223+43.7% | $137,256+10.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 18.33% | 237.85%-219.5pp | 180.65%-162.3pp | 220.34%-202.0pp |
| Employer contribution / active EE | $22,064 | $3,939+460.1% | $3,689+498.2% | $4,156+430.9% |
| Participant deferral / active EE | $21,631 | $5,500+293.3% | $5,072+326.5% | $6,407+237.6% |
| Admin fee / account holder | $6,786 | $9,721-30.2% | $8,859-23.4% | $12,270-44.7% |