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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 | $123,129 | $103,392+19.1% | $87,104+41.4% | $152,897-19.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 11.52% | 28.10%-16.6pp | 28.19%-16.7pp | 345.43%-333.9pp |
| Employer contribution / active EE | $4,415 | $3,221+37.1% | $2,521+75.1% | $4,764-7.3% |
| Participant deferral / active EE | $3,140 | $4,778-34.3% | $4,048-22.4% | $5,851-46.3% |
| Admin fee / account holder | $637 | $12,194-94.8% | $7,491-91.5% | $11,599-94.5% |