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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 | $166,493 | $124,314+33.9% | $109,163+52.5% | $167,518-0.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 14.92% | 26.04%-11.1pp | 25.75%-10.8pp | 478.71%-463.8pp |
| Employer contribution / active EE | $3,385 | $4,209-19.6% | $3,723-9.1% | $4,838-30.1% |
| Participant deferral / active EE | $13,907 | $5,256+164.6% | $4,654+198.8% | $6,342+119.3% |
| Admin fee / account holder | $655 | $7,973-91.8% | $6,754-90.3% | $12,312-94.7% |