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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 | $113,265 | $105,200+7.7% | $159,474-29.0% | $85,847+31.9% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 13.65% | 45.08%-31.4pp | 263.68%-250.0pp | 318.61%-305.0pp |
| Employer contribution / active EE | $5,962 | $3,319+79.6% | $4,831+23.4% | $2,565+132.4% |
| Participant deferral / active EE | $13,028 | $5,946+119.1% | $7,353+77.2% | $3,952+229.6% |
| Admin fee / account holder | $5,014 | $6,934-27.7% | $10,802-53.6% | $6,261-19.9% |