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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 | $138,701 | $104,664+32.5% | $85,693+61.9% | $167,518-17.2% |
| Participation rate | 100.0% | 76.4%+23.6pp | 69.9%+30.1pp | 82.1%+17.9pp |
| Annual return | 13.76% | 21.45%-7.7pp | 21.49%-7.7pp | 478.71%-465.0pp |
| Employer contribution / active EE | $1,607 | $3,337-51.8% | $2,618-38.6% | $4,838-66.8% |
| Participant deferral / active EE | $16,217 | $4,824+236.1% | $3,923+313.4% | $6,342+155.7% |
| Admin fee / account holder | $12,208 | $10,032+21.7% | $6,874+77.6% | $12,312-0.9% |