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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 | $192,688 | $115,917+66.2% | $100,535+91.7% | $158,982+21.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 15.45% | 34.80%-19.3pp | 30.90%-15.4pp | 302.99%-287.5pp |
| Employer contribution / active EE | $4,510 | $4,105+9.9% | $3,419+31.9% | $4,763-5.3% |
| Participant deferral / active EE | $13,673 | $6,677+104.8% | $6,271+118.0% | $5,983+128.5% |
| Admin fee / account holder | $13,861 | $11,002+26.0% | $8,085+71.4% | $11,252+23.2% |