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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 | $117,846+16.3% | $102,434+33.8% | $145,884-6.1% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 21.94% | 31.90%-10.0pp | 29.46%-7.5pp | 551.85%-529.9pp |
| Employer contribution / active EE | $4,383 | $3,615+21.3% | $3,023+45.0% | $4,662-6.0% |
| Participant deferral / active EE | $6,833 | $5,733+19.2% | $5,055+35.2% | $6,690+2.1% |
| Admin fee / account holder | $2,818 | $13,356-78.9% | $9,462-70.2% | $13,392-79.0% |