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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 | $173,457 | $117,829+47.2% | $102,423+69.4% | $145,877+18.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 11.91% | 31.83%-19.9pp | 29.42%-17.5pp | 551.28%-539.4pp |
| Employer contribution / active EE | $7,168 | $3,615+98.3% | $3,023+137.1% | $4,663+53.7% |
| Participant deferral / active EE | $5,180 | $5,732-9.6% | $5,054+2.5% | $6,691-22.6% |
| Admin fee / account holder | $3,913 | $13,335-70.7% | $9,455-58.6% | $13,402-70.8% |