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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 | $137,040 | $117,829+16.3% | $102,423+33.8% | $145,877-6.1% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 21.94% | 31.83%-9.9pp | 29.42%-7.5pp | 551.28%-529.3pp |
| Employer contribution / active EE | $4,383 | $3,615+21.3% | $3,023+45.0% | $4,663-6.0% |
| Participant deferral / active EE | $6,833 | $5,732+19.2% | $5,054+35.2% | $6,691+2.1% |
| Admin fee / account holder | $2,818 | $13,335-78.9% | $9,455-70.2% | $13,402-79.0% |