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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 | $127,078 | $111,535+13.9% | $105,223+20.8% | $137,256-7.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 15.05% | 237.85%-222.8pp | 180.65%-165.6pp | 220.34%-205.3pp |
| Employer contribution / active EE | $5,443 | $3,939+38.2% | $3,689+47.6% | $4,156+31.0% |
| Participant deferral / active EE | $13,606 | $5,500+147.4% | $5,072+168.3% | $6,407+112.4% |
| Admin fee / account holder | $471 | $9,721-95.2% | $8,859-94.7% | $12,270-96.2% |