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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 | $136,095 | $103,387+31.6% | $87,102+56.2% | $152,885-11.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 23.85% | 28.10%-4.3pp | 28.19%-4.3pp | 345.39%-321.5pp |
| Employer contribution / active EE | $5,849 | $3,221+81.6% | $2,521+132.0% | $4,763+22.8% |
| Participant deferral / active EE | $5,614 | $4,778+17.5% | $4,048+38.7% | $5,851-4.0% |
| Admin fee / account holder | $7,853 | $12,193-35.6% | $7,491+4.8% | $11,598-32.3% |