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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 | $123,412 | $201,372-38.7% | $184,260-33.0% | $145,884-15.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 18.52% | 29.04%-10.5pp | 28.84%-10.3pp | 551.85%-533.3pp |
| Employer contribution / active EE | $5,500 | $7,024-21.7% | $6,427-14.4% | $4,662+18.0% |
| Participant deferral / active EE | $14,670 | $9,808+49.6% | $9,133+60.6% | $6,690+119.3% |
| Admin fee / account holder | $7,402 | $16,362-54.8% | $13,898-46.7% | $13,392-44.7% |