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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 | $147,210 | $161,352-8.8% | $134,172+9.7% | $137,256+7.3% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 13.64% | 28.72%-15.1pp | 25.30%-11.7pp | 220.34%-206.7pp |
| Employer contribution / active EE | $11,422 | $4,099+178.7% | $3,420+234.0% | $4,156+174.8% |
| Participant deferral / active EE | $4,948 | $5,552-10.9% | $4,690+5.5% | $6,407-22.8% |
| Admin fee / account holder | $23,464 | $15,028+56.1% | $12,016+95.3% | $12,270+91.2% |