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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 | $129,954 | $98,776+31.6% | $149,745-13.2% | $79,856+62.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 14.93% | 27.38%-12.4pp | 276.72%-261.8pp | 31.71%-16.8pp |
| Employer contribution / active EE | $7,329 | $3,217+127.8% | $4,646+57.8% | $2,471+196.6% |
| Participant deferral / active EE | $7,682 | $5,681+35.2% | $6,843+12.3% | $3,741+105.4% |
| Admin fee / account holder | $4,861 | $6,053-19.7% | $9,312-47.8% | $5,306-8.4% |