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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 | $88,506 | $114,119-22.4% | $107,187-17.4% | $138,895-36.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 15.41% | 273.21%-257.8pp | 204.55%-189.1pp | 145.39%-130.0pp |
| Employer contribution / active EE | $6,904 | $4,059+70.1% | $3,782+82.5% | $4,194+64.6% |
| Participant deferral / active EE | $6,167 | $5,538+11.4% | $5,096+21.0% | $6,396-3.6% |
| Admin fee / account holder | $17,768 | $10,024+77.3% | $9,162+93.9% | $12,562+41.4% |