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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 | $229,732 | $76,407+200.7% | $150,298+52.9% | $82,448+178.6% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 19.88% | 39.99%-20.1pp | 62.79%-42.9pp | 41.64%-21.8pp |
| Employer contribution / active EE | $3,146 | $2,614+20.4% | $4,154-24.3% | $2,551+23.3% |
| Participant deferral / active EE | $6,517 | $3,214+102.7% | $5,453+19.5% | $4,139+57.4% |
| Admin fee / account holder | $8,565 | $6,352+34.8% | $14,116-39.3% | $7,234+18.4% |