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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 | $138,415 | $124,980+10.7% | $108,359+27.7% | $154,746-10.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 16.06% | 45.00%-28.9pp | 36.89%-20.8pp | 172.34%-156.3pp |
| Employer contribution / active EE | $6,539 | $2,851+129.4% | $2,399+172.5% | $4,379+49.3% |
| Participant deferral / active EE | $8,274 | $4,743+74.4% | $4,137+100.0% | $6,730+22.9% |
| Admin fee / account holder | $7,154 | $11,502-37.8% | $9,741-26.6% | $14,365-50.2% |