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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 | $123,419 | $117,859+4.7% | $102,438+20.5% | $145,959-15.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.16% | 31.72%-19.6pp | 29.37%-17.2pp | 561.95%-549.8pp |
| Employer contribution / active EE | $8,945 | $3,615+147.4% | $3,024+195.8% | $4,661+91.9% |
| Participant deferral / active EE | $4,633 | $5,732-19.2% | $5,054-8.3% | $6,689-30.7% |
| Admin fee / account holder | $6,155 | $13,318-53.8% | $9,448-34.9% | $13,398-54.1% |