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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 | $159,169 | $213,785-25.5% | $185,441-14.2% | $155,188+2.6% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 15.78% | 19.97%-4.2pp | 20.16%-4.4pp | 148.84%-133.1pp |
| Employer contribution / active EE | $10,961 | $5,393+103.2% | $4,672+134.6% | $4,248+158.0% |
| Participant deferral / active EE | $11,319 | $6,864+64.9% | $6,152+84.0% | $6,531+73.3% |
| Admin fee / account holder | $3,981 | $21,134-81.2% | $17,890-77.7% | $14,480-72.5% |