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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 | $120,546 | $96,524+24.9% | $75,900+58.8% | $152,909-21.2% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 23.89% | 33.93%-10.0pp | 30.73%-6.8pp | 345.46%-321.6pp |
| Employer contribution / active EE | $4,000 | $3,311+20.8% | $2,501+59.9% | $4,764-16.0% |
| Participant deferral / active EE | $22,000 | $4,554+383.1% | $3,604+510.5% | $5,851+276.0% |
| Admin fee / account holder | $923 | $8,082-88.6% | $5,421-83.0% | $11,601-92.0% |