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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 | $133,536 | $124,351+7.4% | $109,188+22.3% | $167,553-20.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 20.41% | 26.04%-5.6pp | 25.76%-5.3pp | 478.89%-458.5pp |
| Employer contribution / active EE | $3,053 | $4,210-27.5% | $3,723-18.0% | $4,840-36.9% |
| Participant deferral / active EE | $6,698 | $5,257+27.4% | $4,654+43.9% | $6,343+5.6% |
| Admin fee / account holder | $2,130 | $7,975-73.3% | $6,755-68.5% | $12,316-82.7% |