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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 | $125,064 | $211,224-40.8% | $178,505-29.9% | $145,897-14.3% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 11.81% | 30.28%-18.5pp | 27.16%-15.4pp | 552.29%-540.5pp |
| Employer contribution / active EE | $6,814 | $4,577+48.9% | $3,955+72.3% | $4,663+46.1% |
| Participant deferral / active EE | $15,967 | $6,966+129.2% | $6,280+154.2% | $6,689+138.7% |
| Admin fee / account holder | $485 | $12,109-96.0% | $10,428-95.3% | $13,390-96.4% |