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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 | $153,679 | $116,203+32.3% | $93,621+64.2% | $152,909+0.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 17.60% | 35.96%-18.4pp | 32.76%-15.2pp | 345.46%-327.9pp |
| Employer contribution / active EE | $4,715 | $3,219+46.5% | $2,719+73.4% | $4,764-1.0% |
| Participant deferral / active EE | $6,832 | $4,605+48.4% | $4,070+67.9% | $5,851+16.8% |
| Admin fee / account holder | $1,414 | $10,751-86.8% | $7,890-82.1% | $11,601-87.8% |