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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 | $115,615 | $104,251+10.9% | $91,004+27.0% | $147,586-21.7% |
| Participation rate | 100.0% | 78.2%+21.8pp | 75.6%+24.4pp | 82.8%+17.2pp |
| Annual return | 13.81% | 27.06%-13.3pp | 4.60%+9.2pp | 578.59%-564.8pp |
| Employer contribution / active EE | $5,317 | $3,116+70.7% | $2,456+116.5% | $4,876+9.0% |
| Participant deferral / active EE | $6,790 | $4,195+61.9% | $3,548+91.4% | $5,439+24.8% |
| Admin fee / account holder | $5,137 | $8,948-42.6% | $5,417-5.2% | $10,886-52.8% |