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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 | $129,344 | $116,203+11.3% | $93,621+38.2% | $152,909-15.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 24.09% | 35.96%-11.9pp | 32.76%-8.7pp | 345.46%-321.4pp |
| Employer contribution / active EE | $5,598 | $3,219+73.9% | $2,719+105.9% | $4,764+17.5% |
| Participant deferral / active EE | $5,751 | $4,605+24.9% | $4,070+41.3% | $5,851-1.7% |
| Admin fee / account holder | $6,859 | $10,751-36.2% | $7,890-13.1% | $11,601-40.9% |