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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 | $139,603 | $117,859+18.4% | $102,438+36.3% | $145,959-4.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 14.26% | 31.72%-17.5pp | 29.37%-15.1pp | 561.95%-547.7pp |
| Employer contribution / active EE | $4,692 | $3,615+29.8% | $3,024+55.2% | $4,661+0.7% |
| Participant deferral / active EE | $13,298 | $5,732+132.0% | $5,054+163.1% | $6,689+98.8% |
| Admin fee / account holder | $3,104 | $13,318-76.7% | $9,448-67.1% | $13,398-76.8% |