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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 | $83,286 | $111,535-25.3% | $105,223-20.8% | $137,256-39.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 12.56% | 237.85%-225.3pp | 180.65%-168.1pp | 220.34%-207.8pp |
| Employer contribution / active EE | $5,138 | $3,939+30.4% | $3,689+39.3% | $4,156+23.6% |
| Participant deferral / active EE | $13,549 | $5,500+146.4% | $5,072+167.2% | $6,407+111.5% |
| Admin fee / account holder | $18,530 | $9,721+90.6% | $8,859+109.2% | $12,270+51.0% |