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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 | $142,865 | $103,393+38.2% | $87,103+64.0% | $152,909-6.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 20.08% | 28.10%-8.0pp | 28.19%-8.1pp | 345.46%-325.4pp |
| Employer contribution / active EE | $2,126 | $3,221-34.0% | $2,521-15.7% | $4,764-55.4% |
| Participant deferral / active EE | $6,760 | $4,778+41.5% | $4,049+67.0% | $5,851+15.5% |
| Admin fee / account holder | $1,049 | $12,195-91.4% | $7,491-86.0% | $11,601-91.0% |