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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 | $145,314 | $124,351+16.9% | $109,188+33.1% | $167,553-13.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 11.44% | 26.04%-14.6pp | 25.76%-14.3pp | 478.89%-467.5pp |
| Employer contribution / active EE | $11,355 | $4,210+169.7% | $3,723+205.0% | $4,840+134.6% |
| Participant deferral / active EE | $4,719 | $5,257-10.2% | $4,654+1.4% | $6,343-25.6% |
| Admin fee / account holder | $2,485 | $7,975-68.8% | $6,755-63.2% | $12,316-79.8% |