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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 | $129,114 | $125,797+2.6% | $170,043-24.1% | $75,173+71.8% |
| Participation rate | 100.0% | 83.6%+16.4pp | 87.0%+13.0pp | 67.2%+32.8pp |
| Annual return | 18.48% | 27.20%-8.7pp | 53.40%-34.9pp | 160.72%-142.2pp |
| Employer contribution / active EE | $8,842 | $4,616+91.6% | $6,790+30.2% | $2,671+231.1% |
| Participant deferral / active EE | $10,688 | $6,838+56.3% | $10,410+2.7% | $4,126+159.0% |
| Admin fee / account holder | $7,441 | $8,177-9.0% | $12,824-42.0% | $5,651+31.7% |