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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 | $119,112 | $117,859+1.1% | $102,438+16.3% | $145,959-18.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.98% | 31.72%-18.7pp | 29.37%-16.4pp | 561.95%-549.0pp |
| Employer contribution / active EE | $12,958 | $3,615+258.5% | $3,024+328.6% | $4,661+178.0% |
| Participant deferral / active EE | $2,648 | $5,732-53.8% | $5,054-47.6% | $6,689-60.4% |
| Admin fee / account holder | $473 | $13,318-96.4% | $9,448-95.0% | $13,398-96.5% |